Yes, long term care insurance can pay for in-home care under certain conditions. Long term care insurance policies typically cover a range of long-term care services, including in-home care, as long as the care is deemed medically necessary. The coverage for in-home care may include assistance with activities of daily living, such as bathing, dressing, and meal preparation, as well as skilled nursing care. However, the specific coverage and eligibility criteria can vary depending on the individual policy and insurance provider. It's important to carefully review the terms of the policy to understand what types of in-home care services are covered, any limitations or exclusions, and the process for filing claims. Additionally, some policies may require a waiting period before benefits for in-home care can be accessed. It's advisable to consult with the insurance provider or a licensed insurance agent to get detailed information about the coverage for in-home care under a specific long term care insurance policy.