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Another critical area left uncovered is respite care. Long-term care insurance typically focuses on ongoing care rather than short-term relief for caregivers. Respite care provides temporary relief to family members who are overwhelmed by the demands of caregiving. It allows them to take a break without guilt or financial strain. However, most policies do not include respite care as part of their coverage. This oversight leaves caregivers frayed and exhausted, often leading to burnout and diminished quality of care for their loved ones.
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