Long-term Care

Long-Term Care

  • Long-term care (LTC) is assistance with activities like bathing, dressing or eating for a period greater than 90 days.
  • LTC can range from care at home to skilled care in a nursing home or memory facility.
  • LTC is not covered by traditional health insurance, HMO plans, Medicare or Medicare supplement policies.
  • Some health plans may cover nursing home or home care but only on a short-term or limited basis.

What is LTC Insurance?

  • LTC insurance is designed to help you conserve assets and live with dignity and independence when physically or mentally impaired.

How Does LTCi Work?

LTCi benefits trigger:

  • When you need help with at least 2 of 6 Activities of Daily Living (ADLs): bathing, dressing, toileting, transferring (to and from bed), continence, eating.
  • When you need help because of cognitive impairment: Alzheimer’s, dementia, depression, memory, reasoning, orientation, behavior.
  • When care is expected to extend beyond 90 days.


  • The good news is we’re living longer.
  • The bad news is we’re living longer.
  • Over age 65, we stand a 50-50 chance of needing some form of LTC service and support in our remaining years.
  • Women typically need care longer (3.7 years) than men (2.2 years).
  • Of those in LTC over age 65, 20% will need care for more than 5 years.
  • It can happen anytime: a 2012 Kaiser Foundation survey found that of the total population needing long-term care 50.2% were under age 65.