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Long-term Care Insurance
Long-Term Care (LTC) is help that a person may need if he/she is unable to perform certain personal tasks for an extended period due to illness or disability. LTC may include help at a nursing home, adult day care center, assisted living facility, or your own home.
Long-term care insurance is a policy that is designed to help pay the cost of LTC. But even the best LTC insurance policy will not cover all the expenses.
Long-term care is very expensive, especially if the care lasts for a year or more. LTC policies pay for costs associated with this care. On the other hand, LTC insurance can also be rather expensive - especially if a person never needs to use it. Most people who enter a nursing home stay only a few months. The statistics below are from studies conducted in 1997 and produced by the Ohio Department of Aging in 2001.
- Once a person reaches age 65, there is a 43 percent chance of being in a nursing home at some future date.
- The average stay in a nursing home for people age 65 and over was 290 days.
- Only 10 percent of these nursing home residents had a stay between one year and three years.
- The average "long-stay" nursing home patient stays for about two years.
Where can I receive care under a long-term care policy?
The types of places where you can get long-term care depends on what is allowed by your insurance policy. There are four kinds of facilities where care is usually delivered, and policies generally include all four.
Your policy will cover your care in one or more of the following:
- Your Home
- Adult Day Service Center
- Assisted Living Facility
- Nursing Home
AARP
Washington, DC NW 20049
Description:
AARP Services include: Driver Safety, Grandparent Information Center, Grief and Loss, Tax Aide Program and Insurance
Driver Safety Program
Cars have changed. So have traffic rules, driving conditions, and the roads we drive on every day. Brush up on your driving skills to stay safe! Call 888-687-2277 for information about driver safety program in our area.
Follow the prompts and be ready to give your 5-digit postal zip code. A local volunteer will call you back within 3-5 business days to help you locate the course nearest you. Or, visit the Web site for more information and resources, including safety tips, advice on when to curtail or stop driving, and the latest vehicle safety features.
Caregiving Resource Center
Connect with other caregivers, get information on developing a care plan and a care team, find care providers and connect with community resources. Click here to visit AARP's Caregiving Resource Center.
Grandparents Information Center
AARP's Friends and Family Web site is full of information grandparents will be interested in - whether they are their grandchild's full-time caregiver or a part-time babysitter.
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GrandFacts: National and state fact sheets listing services, programs, benefits, laws and policies for grandparents raising children.
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GrandFamilies Guide: Information, tips and tools for grandparents raising grandchildren.
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AARP Foundation GrandCare Support Locator: The GrandCare Support Locator is a service of the AARP Foundation. It connects grandparents with national, state and local groups, programs, resources and services that support grandparents or other relative caregivers as well as grandparents facing visitation issues.
- Join an online support group for grandparents raising grandchildren.
AARP Ohio
http://www.aarp.org/states/oh/
866-389-5653
ohaarp@aarp.org
Other helpful resources:
Grief and Loss: tips, resources and advice on how to cope during this difficult part of life.
Tax Aide Program: the nation's largest free, volunteer-run tax preparation and assistance service.
Insurance: Information and resources on topics from long-term care insurance to health insurance and Medicare.
Internet safety: Information and resources on internet safety
ElderLawAnswers
Shaker Heights Ohio 44122
Description:
The combination of an informed consumer and a qualified attorney produces the best legal results for the clients. ElderLawAnswers supports seniors, their families and their attorneys in achieving their goals by providing the following services:
- The best information on the Internet about crucial legal issues facing seniors.
- A network of highly qualified elder law attorneys nationwide.
- Online practice tools for elder law attorneys.
ElderLawAnswers information is designed to be thorough, up-to-date and easy to understand. The attorneys in the network have demonstrated a commitment to the field of elder law. And they benefit from the experience and expertise of their peers through our Internet-based practice tools.
Medicare.gov
Lawerence KS 66044
Description:
Medicare.gov has all of the information and tools you need for questions or help with Medicare. You can:
- enroll in Medicare online
- compare and enroll in Medicare health or prescription plans
- find and compare doctors
- check to see if a test or service is covered by Medicare
- chat with a Medicare representative
- research and compare nursing homes and home health agencies
- get extra help with medical and prescription drug costs
- get a new Medicare card
Medicare Nursing Home Compare
Use the site to obtain a free copy of A Guide to Choosing a Nursing Home.You can search the site to obtain and compare nursing home information from all parts of the country, including their performance at their last Medicare state survey.
Medicare Plan Finder
Not all Medicare Advantage Plans work the same way, so before you join, take the time to find and compare Medicare Health Plans in your area.
Use Medicare's Plan Finder to find and compare Medicare Advantage (Part C) plans available in your area. Have the enrollee's zip code ready.
You can get help from your state paying your Medicare premiums. In some cases, Medicare Savings Programs may also pay Part A and Part B deductibles, coinsurance, and copayments if you meet certain conditions.
Medicare Savings Programs
There are four kinds of Medicare Savings Programs
- Qualified Medicare Beneficiary (QMB) Program
- Specified Low-Income Medicare Beneficiary (SLMB) Program
If you have income from working, you may qualify for SLMB benefits even if your income is higher than these limits. - Qualified Individual (QI) Program
You must apply every year for QI benefits. QI applications are granted on a first-come, first-served basis, with priority given to people who got QI benefits the previous year. (You can't get QI benefits if you qualify for Medicaid). - Qualified Disabled and Working Individuals (QDWI) Program
The QDWI program helps pay the Part A premium. You may qualify if any of the following apply to you:
Are a working disabled person under 65
Lost your premium-free Medicare Part A when you went back to work
Aren't getting medical assistance from your state
Meet the income and resource limits required by your state
How to Apply for Medicare Savings Programs
Many people do not know or understand if they qualify for Medicare Savings Programs. Council on Aging can help. Call us at 513-721-1025 for help in determining your eligibility.
If you qualify for a Medicare Savings Program in your state, you automatically qualify to get Extra Help paying for Medicare prescription drug coverage.
National Academy of Elder Law Attorneys, Inc.
Vienna VA 22182
Description:
The National Academy of Elder Law Attorneys, Inc. (NAELA) is a professional association of over 4,200 attorneys who are dedicated to improving the quality of legal services provided to seniors and people with special needs. NAELA members assist their clients with public benefits, probate and estate planning, guardianship/conservatorship, and health and long-term care planning, among other important issues.
*Please note NAELA`s office staff CANNOT assist the public with their legal needs. Please seek the advice of a professional and go to NAELA`s member directory for advice.
National Association of Insurance Commissioners
Kansas City 64106-2197
Description:
The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental insurance regulatory goals in a responsive, efficient and cost effective manner, consistent with the wishes of its members:
Protect the public interest;
Promote competitive markets;
Facilitate the fair and equitable treatment of insurance consumers;
Promote the reliability, solvency and financial solidity of insurance institutions; and
Support and improve state regulation of insurance.
No Time Use Mine LLC Senior Sitting Service and Social Enrichment Program for Seniors and Families
Cincinnati Ohio 45206
Description:
No Time Use Mine, LLC Senior Sitting Service and Social Enrichment Program for Seniors and Families, offers a Non-Medical Sitting, Companion, Respite, light housekeeping and well-being checks. Engage Seniors and families in Social Enrichment Activities and Events in the Community. With the goal of alleviating loneliness, isolation and depression and bringing families together creating a Loveship in the communities.
The services are private pay and can accept long term care insurance,
If you are interested in these services please contact Jonda Proffit at (513)537-2354 or at notimeusemine1st@gmail.com
Ohio Department of Insurance
Columbus OH 43215
Description:
The mission of the Ohio Department of Insurance is to provide consumer protection through education and fair but vigilant regulation while promoting a stable and competitive environment for insurers. The department publishes several consumer's guides, including:
Shopper's Guide to Long-term Care Insurance
Shopper's Guide to Life Insurance
Empty Nester's Guide to Auto Insurance
Shopper's Guide to Annuities Insurance
Shopper's Guide to Medicare Supplement Insurance, Medicare Options and Part D
Other Services Include:
Ohio Long-Term Care Consumer Guide
Columbus Ohio 43215
Description:
Use the Consumer Guide to search for and compare nursing homes, residential care (assisted living) facilities, and supportive living facilities and to learn more about services in your home and community that may meet your needs.
Ohio Partnership for Long-Term Care Insurance
Columbus 43215
Description:
Ohio long-term care insurance companies can now offer policies that qualify under the state`s Long-term care Partnership Insurance Program. Partnership insurance offers a way for people to buy long-term care insurance, receive policy benefits and protect a matching amount of assets if they need to apply for Medicaid. With any insurance policy, it is important for the consumer to choose the type of coverage that fits their needs. Only you can decide if Long-term Care insurance is right for you. Your decision should depend on personal health and wealth matters. (Source: Ohio Department of Insurance)
The Ohio Department of Insurance`s Long-term Care Partnership Web site provides more information about the partnership program, as well as fact sheets and other resources, frequently asked questions about long-term care and help in finding an agent.