Long-term care insurance can cover medical and/or non-medical support services used during a prolonged illness, disability or loss of mental capacity.
This care may include assistance with activities of daily living such as bathing, dressing, eating, toileting, transferring or continence. It may also include grocery shopping, laundry, meal preparation, managing medications, transportation, or various types of medical therapies.
Where is Long-Term Care provided?
Long-term care can be provided in a variety of settings including one’s own home, adult or group family homes, assisted living facilities, nursing homes and continuing care retirement or other community settings.
Who pays for Long-Term Care?
Individuals generally pay for long-term care services out of pocket, unless they qualify for low-income assistance through Medicaid or have insurance to cover the care they require. The monthly costs for long-term care range from a few hundred dollars for chore assistance to several thousand dollars for skilled nursing care. (Medicare does NOT pay for long-term care).
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