Long_Term Care Insurance

Long-Term Care Insurance (LTCI) can pay benefits for various types of care and services received in a variety of locations, including:

• care provided in institutions such as skilled nursing facilities or residential care facilities for the elderly
• care provided at home, through home health care, personal care and homemaker services
• hospice care
• respite care
• care provided in the community, such as adult day care, adult day health care, or Alzheimer’s day care

The type of care that people generally need in any of these locations is assistance or supervision with the normal activities of daily living (ADLs) or supervision because of a cognitive disorder like Alzheimer’s disease.

The California Partnership for Long-Term Care is dedicated to educating Californians on the need to plan ahead for their future long-term care needs and to consider private insurance as a vehicle to fund that care. The partnership is an innovative program of the California Department of Health Care Services in cooperation with a select number of private insurance companies. In addition to many other consumer protection features, partnership policies offer the special benefit of Medi-Cal asset protection.

www.RUReadyCA.org, which is an independent, easy-to-use website offering a host of tools, information and calculators to help each Californian plan for their unique long-term care needs.

LongTermCare.gov, is a website that is sponsored by the U.S Department of Health and Human Services, and provides a useful cost calculator that allows people to determine approximate costs for long-term care services and supports at home or in a facility in their own community. The site also provides a way to locate local long-term care services and supports.