Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. These services are generally not covered by your Medicare benefits.
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
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What is Long-Term Care Insurance?
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services
and supports, including personal and custodial care in a variety of settings such as your home, a
community organization, or other facility.
Counting on Medicare to cover your Long Term Care costs, forget it, as MEDICARE PAYS NOTHING
FOR LONG TERM CUSTODIAL CARE! Medicare is designed to pay only limited coverage for skilled
rehab or skilled intermittent services for home care. Most health and disability insurances won’t cover
long-term care, but long-term care insurance will.
If you need to pay for care in the future, how will you cover the cost?
According to the American Association for Long Term Care Insurance, 89% of LTC claims are filed
for people over the age of 70.
People suffering from prolonged physical illness, disability, or cognitive impairment often require long-
term care, which may be provided by family, by paid in-home assistants, or by staff in various types of
facilities. LTC reduces the need for your love ones to carry the burden of care, both physically and
One of the benefits of LTC Insurance is it provides the option for you to stay in your home and
maintain your independence longer or navigate a higher quality of care in a facility setting. Nursing
homes are closing their doors due to high occupancy of MaineCare (Medicaid) residency and when
they close these facilities, the resident’s do not have a choice of where they will be place (sometimes
2 or more hours away from family), but if they have a Long Term Care Insurance, beds open up
How Does Long-Term Care Insurance Work?
Long Term Care insurance policies provide a daily or monthly benefit amount for Long Term Care
costs to cover their Activities of Daily Living, such as bathing, dressing, eating, or for those suffering
from a Cognitive Impairment, such as Alzheimer’s disease.
What Does Long-Term Care Insurance Cover?
LTC policies vary from plan to plan. It is advisable to explore your LTC options while you are healthy, so exploring LTC insurance at the earliest opportunity is best.
- Nursing home care - Assisted living facilities - Adult day care centers - Alzheimer’s care facilities - Care in your home - Respite care - Home modification - Care coordination
Concerned about your future health care needs? Schedule a consultation to see if Long Term Care Insurance will give you peace of mind.
Rhonda has curated a relationship with a brokerage agency that has over 4 decades of both Medicare and Long Term Care Insurance
experience and will be there for you to be sure that you get the benefits that you have paid for.