Long-Term Care

“Long-Term Care” (LTC) is the assistance you need when you can’t perform the “Activities of Daily Living” (ADL) independently.

It isn’t a subject that most of us care to dwell upon. However, the failure to discuss or plan for the high costs of long-term care is causing American families to be unprepared to meet these high costs. First, the question is, who will pay for your LTC?  Medicare and Medicaid’s instability along with the diminishing US resources for LTC has prompted a government response to the impending LTC crisis.

The Health Insurance Portability and Accountability Act (HIPAA) along with the Deficit Reduction Act (DRA) motivated Congress to set new standards for Long-Term Care Insurance (LTCI). Federal and State have joined together to promote private LTCI by providing tax incentives and offering State LTC Partnership plans. Find out if your state is a LTC Partnership qualified state by calling 1-800-842-7799 to speak to a Long-Term Care Specialist.

“About 50% of people who currently need long-term care services are under 65 years of age.”[1]
“About 79% of women 65 and older will need some type of long-term care.” [2]

Understanding Long-Term Care

Planning for Long-Term Care

Declined for LTCi? You have another option for coverage!

[1] Kaiser Commission on Medicaid Facts. “Medicaid and the Uninsured”. June 2012.
[2] Connell, Kathleen. “Long Term Care: A Women’s Issue”. 2012.