No. Long-term care insurance provides for personal care on a long-term basis if you need supervision or assistance with daily living activities due to a chronic illness, disabling condition or cognitive impairment.
Long-term care policies generally pay a pre-determined daily benefit amount on a monthly basis. There are usually no restrictions on how the money paid out is used. Some policies only pay for specific expenses incurred for various types of care, such as nursing home or home health care, etc.