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Long Term Care
What Is Long Term Care? Print E-mail

Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson’s, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer’s).

Long Term Care is not necessarily medical care, but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

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Who Needs Long Term Care? Print E-mail

Even though you plan to remain healthy, active and independent, there’s a good chance, at some point, you’ll need help. Consider these statistics:

Seventy percent of people turning age 65 will need Long Term Care before they die. (1)

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Who Pays For Long Term Care? Print E-mail

You may think that Long Term Care services are covered by your health insurance, disability insurance or Medicare. Unfortunately, that's usually not the case.

Health insurance is designed to cover acute care medical expenses — illnesses or injuries like cancer, a broken arm or a stroke. It will pay the hospital bills you incur for a stroke, but it won't pay for any long term assistance you may need once you go home, such as help dressing or using the bathroom.

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Care Provided by Friends & Family Print E-mail

An Estimated 44 million Americans age 18 and older provide unpaid assistance and support to older people and adults who live in the community. (1)

The value of this unpaid labor force is estimated to be at least $306 billion annually. (1)

Thirty two percent of caregivers provide care in the home for less than one year; 26% provide care for 1-2 years; 18% provide care for 3-7 years and 24% of caregivers provide care for 8 or more years. (2)

Although most caregivers bear their burden with love, many report enormous stress, feelings of guilt or inadequacy, depression and even physical ailments as a result of their care giving.

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Medicaid Minimum Assets & Income Per State Print E-mail

The table below gives the minimum assets and income each state allows nursing home residents and their spouses to keep as of July 1, 2015. The federal government sets new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits.

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If you are interested in purchasing Long Term Care Insurance, we will connect you with a licensed Long Term Care Agent who will answer your questions, assess your needs and offer advice in an understandable manner. Our goal is to make sure you get the right policy at the best price and make planning for your Long Term Care needs an easy and enjoyable process..

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LTC.com 14140 Midway Road, Suite 150, Dallas, TX 75244             tel: 800-432-0091

 

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