FAQ – Miscellaneous

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I'm interested in learning more about long-term care insurance.

Long-term care refers to the support services needed by people with disabilities or chronic injuries, such as help with dressing, bathing and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. These services are generally not covered by Medicare. According to the National Council on Aging, half of people over age 85 require long-term care.

Long-term care insurance is designed to help cover the costs of long-term care, which can be astronomical. In 2011, the average cost in California for one year of care in a nursing home is $91,250.* The insurance typically covers the cost of:

  • Help in your home with daily activities, such as bathing, toileting, dressing, eating and housecleaning.
  • Community programs, including adult day care.
  • Assisted living services that are provided in a special residential setting other than your own home. These services include meals, health monitoring and help with daily activities.
  • Visiting nurses.
  • Nursing home care.

Learn more by reading Long-Term Care Insurance. Before buying a long-term care policy, you may want to check out The California Partnership for Long-Term Care to help ensure you purchase a quality policy.

* Source: California Partnership for Long-Term Care, www.dhcs.ca.gov.

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