Long-Term Care

Let’s talk about precious long-term care…

Did you know Long -Term Care is not covered under regular health insurance?

Medicare won’t help with long-term care, either. Medicare only covers short nursing home stays or limited amounts of home health care. Medicare does not help when you require skilled nursing or rehab and does not pay for custodial care, which includes supervision and helps with day-to-day tasks. 

Long-term care assists with routine daily activities, like bathing, dressing, meals, or getting in and out of bed.

Long-term care insurance policies cover the costs of care when you have a disability or disorder such as Alzheimer's disease, or when you have a chronic medical condition. Most of these long-term care policies will reimburse you for the care given in places such as:

  • Your home
  • A nursing home
  • An assisted living facility
  • An adult day care center

Your loved one might have a pre-existing medical condition that disqualifies them for insurance, however they can still qualify for long-term care.

Some of these conditions include:

  • AIDS/HIV
  • Alzheimer’s
  • Dementia
  • Kidney failure
  • Liver cirrhosis
  • Muscular dystrophy
  • Paralysis
  • Parkinson’s disease
  • Schizophrenia
  • Sickle cell anemia

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