LTC and Living at Home

I'm a complete noob in this area but recently I came across something that got me thinking. Does any LTC coverage include the elderly living with or near a caregiver?

Does that caregiver have to be licensed or can they simply become certified via Medicare?

What happens if they live independently but are in a "smart" home (meaning alarms to remind them to take meds, camera's, etc)?

Thanks for your input. :idea:
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