LONG-TERM CARE

What Is Long-Term Care?

Long-Term Care is receiving personal care services at home or in community settings when you are unable to perform activities of daily living due to an accident, illness, normal aging  or if you need supervision due to cognitive impairment.

Long-term care is typically received in the following care environments:

  • NURSING HOME CARE

    Nursing homes give residents skilled nursing care 24 hours a day, along with medication monitoring, rehabilitation and physical therapy, room and board and personal care and supervision.

  • ADULT DAY CARE

    Based in the community, adult day care centers provide daytime supervision, giving family caregivers much needed assistance. Along with social activities, they may provide health services and therapy.

  • IN-HOME CARE

    These aides help you when you are disabled or ill with personal care like bathing, dressing, eating and taking medication. By receiving these services at home, you can remain in the comfort of your own home longer.

  • ASSISTED LIVING FACILITIES

    Assisted living facilities (or residential care facilities) can provide personal care and health services when you need assistance with activities of daily living, but not the level of care provided by a nursing home. Assisted living is an intermediate level of long term care, not an alternative to a nursing home.

What Is Long-Term Care Insurance?

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.

  • The cost of your long-term care policy is based on:
  • How old you are when you buy the policy
  • The maximum amount that a policy will pay per day
  • The maximum number of days (years) that a policy will pay
  • The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.

If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting.

CONTACT

Anthony Cuccia, CLTC
19807 103rd Street East
Bonney Lake, WA 98391

cucciainsurance@gmail.com

P: 253-891-3590
F: 253-891-3589

CONNECT

We do not offer every plan available in your area. Currently we represent 12 organizations which offer 157 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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