Long-term care insurance is primarily designed for:

Long-term care insurance is specifically intended to cover ongoing personal care needs that arise due to chronic illness, disability, or the aging process. This type of insurance provides financial support for services such as in-home care, assisted living facilities, nursing homes, and other forms of long-term assistance that may not be covered by traditional health insurance or Medicare.

The primary focus of long-term care insurance is to help individuals maintain their quality of life by enabling them to receive the necessary care and support to manage their daily activities, which can include help with bathing, dressing, eating, and medication management. This function addresses the growing need for personal care as individuals age or face significant health challenges that prevent them from being independent.

In contrast, the other options relate to different areas of insurance coverage. Short-term medical expenses pertain to temporary health care costs, unemployment benefits focus on financial support during job loss, and insurance against natural disasters covers property loss due to specific catastrophic events. None of these options align with the primary purpose of long-term care insurance.