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Insurance Services

What is Long Term Care Insurance?

Long term care insurance provides assistance with basic activities of daily living: bathing, cooking, cleaning, continence, dressing, toileting, transferring (moving into or out of bed, chair, or including wheelchair), and eating.  Disability insurance, Medicare, and most health plans (including State Health Benefits) do not cover these services.

The cost of long-term care at home in an extended care facility or in a nursing home is rarely covered by acute care medical insurance or Medicare.  Aside from paying the cost yourself, there are two ways to pay for long-term care.  The first is Medicaid, a government funded Medical Assistance program, which pays the cost of medical care for people with limited income and resources.  It has stringent financial requirements, which vary from state to state, but once a person qualifies, most or all of the costs on long-term care are paid for.

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