What type of insurance rider is designed to help pay for nursing home expenses for someone without a terminal illness?

The long-term care benefit rider is specifically designed to assist in covering expenses related to nursing home care and other long-term care services for individuals who may not have a terminal illness. This rider provides financial support for those who require assistance with daily living activities, which is common in situations where an individual needs long-term care due to aging, chronic illness, or disability.

Unlike other riders that focus on specific incidents, such as accidental death or critical illnesses, the long-term care benefit rider acknowledges the need for ongoing support rather than a one-time payout for a defined medical event. This can provide a crucial safety net for individuals and their families navigating the complexities and costs of long-term care situations.