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Long Term Care Insurance

Long Term Care is generally defined as care that is expected to last for more than 90 days and from which one is not expected to, but may, recover to a former state or near former state of health (as... more
Long Term Care is generally defined as care that is expected to last for more than 90 days and from which one is not expected to, but may, recover to a former state or near former state of health (as opposed to Acute Care, which is care that is expected to last for under 90 days and from which one has a good chance of returning to a former state, or near former state of health). Long-Term Care includes a wide range of medical or support services for people with a degenerative condition (say Parkinson's; or those that occur after a stroke), a prolonged illness (cancer), a cognitive disorder (Alzheimer's) or a continuing disability due to an accident. Long-Term Care is not necessarily medical care but rather 'custodial care.' Custodial care involves providing individual assistance with activities of daily living or the supervision of someone who is cognitively impaired and is not generally covered by health insurance.
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Questions and Answers

Scot Cheben
Scot Cheben
Senior Advisor

I would only recommend going through an home care agency. There are agencies throughout the state of California. When you are searching for the right agency, keep in mind that the agencies that use W-2 employees are more likely to provide you with everything in their price. Using those type of... more

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

In some states, you can be paid by Medicaid to provide home care services.  Also, you can be paid by Long Term Care insurance as long as you qualify as a Home Health Aide.  Check with your area agency on aging on Medicaid home care waiver programs.

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.
Scot Cheben
Scot Cheben
Senior Advisor

The answer is not so much a yes or no. It might be a strong maybe. There are several ways to get paid as a caregiver. Let me list a few and go into some of them for you...State run programs Long term care insuranceVA Benefits (Aid and Attendance)Drawing up a personal care agreement (Caregiver... more

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Long Term Disability Income insurance is to replace your income to would lose if you cannot work , where as Long Term Care insurance pays only if you cannot perform certain basic activities of daily living or have cognitive impairment, and is not to replace income, but to provide money to pay for... more

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.
Scot Cheben
Scot Cheben
Senior Advisor

Good Question! A lot of folks have the same question. I reached out to a good friend of mine, Seth Walsh, to help better explain this. They both cover you in case of an incapacity, but in very different ways. Long-Term Disability Income Insurance is designed to replace a large portion of your... more

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Assisted Living is not covered by Medicare, nor MediCal, so the only level available to them is a nursing home, or limited home care services under a waiver program. 

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.
Admond Fong
Admond Fong
Senior Specialist

Just to clarify, I'm assuming you are interested in long term care and determining whether it is worth getting the insurance. The answer is it depends. You need to factor the age of your parents and their current health condition, which determines the monthly premiums. It is best to speak with a... more

We at Care Giving Answers strive to provide helpful and...  (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.