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Most long-term care policies pay a fixed dollar amount , typically from $ 40 to more than $ 200 a day , for each day you receive covered care in a nursing home . In addition , up to 10 buildings and / or their contents may be insured on one policy on a scheduled building basis , if the application to schedule buildings under one policy is presented on a form or in a format approved by the Federal Insurance Administrator . In 1991 , a 65-year old woman buying an immediate annuity could receive income of around $ 9,000 to $ 10,000 a year for life in return for a payment of $ 100,000 . In return , you will usually pay lower premiums . In return , the federal government makes flood insurance available for almost every building and its contents within the community . You may receive long-term care in a nursing home or in your own home . Calling it the " Good Day for India , Bad for Non-Proliferation " , Talbott pointed out that the Bush administration gave up on all tradeoffs and granted India the privileges of a nuclear Non-Proliferation Treaty ( NPT ) signatory member with very little in return . In Madame Chen 's and China 's drive to make education pay , basic schooling - which is supposed to be universal - often comes with a price tag , putting it beyond the reach of many ordinary Chinese . At Home Recovery : ( Medicare only pays for skilled nursing home health care . The daily benefit for at-home care is usually half the benefit for nursing home care . Specified or dread disease policies provide benefits only if you get the specific disease or group of diseases named in the policy .