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Long Term Care
Identifies the fraud potential of LTC insurance and advises consumers on how to protect themselves financially by choosing reputable insurance companies and brokers, requiring specific answers about policy coverage and seeking legal help when necessary.
This guide defines long term care (LTC), presents questions designed to assist consumers in assessing their potential LTC needs and encourages them to purchase LTC insurance.
Provides links to buyer resources including tips on financing LTC insurance, information on individual and group insurance, rankings of LTC insurance companies and background information on rates and conduct of LTC insurance companies.
Presents statistics and information on the likelihood of needing long term care as well as average costs associated with long term care (currently, nearly $75,000 per year).
Provides links to help consumers understand, plan for and pay for long term care, including public programs that help pay for long-term care as well as private funds.
Provides information on public programs that deal with long term care, including Medicare, Medicaid and VA benefits; links to private financing pages discuss financing options including long-term care insurance, selling a home, cashing in annuities and other options. For local information contact your state insurance regulator.
A resource center for Ombudsmen, who advocate for residents' rights and quality care, educate consumers and providers, resolve residents' complaints and provide information to the public; site includes links for locating local and state ombudsmen as well as resources for ombudsmen and volunteers.
Medicare site that presents a table comparing financing options for long term care, including personal savings, long-term care insurance, Medicare and veterans benefits and other sources; includes links to more specific information about each financing option.
Defines long term care, discusses situations that require it, explains long-term care insurance benefits and costs, presents strategies for choosing long-term care insurance and includes worksheets for identifying individual insurance needs and making insurance choices.
Describes long term care for eligible veterans. Also provides details the variety of long term care options available, including home health care, palliative/hospice care, community residential care and home health aide services among others.
Defines long term care, discusses particular long-term care needs of veterans, identifies challenges of meeting veterans' long-term care needs in terms of the lack of sufficient space in current and proposed veterans' homes and discusses the long-term care benefits and costs of Veterans Administration (VA) and other federal programs.
