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Long-term care (LTC) is the help you may need if you are no longer able to care for yourself. You may need longterm care if you have a prolonged physical illness, a disability or a cognitive impairment such as Alzheimer’s disease.

You may think long-term care is given only in nursing homes, but the term now applies to services that can be provided in a variety of settings. LTC services may include help with activities of daily living, home health care, respite care, hospice care, adult day care, nursing home care and assisted living facility care.

Guide to Long-Term Care Insurance Table Of Contents

• What is long-term care and who may need it?
• How much does long-term care cost and who pays?
• What’s new in long-term care?
• Where can I get help on long-term care issues?
• Do you need long-term care?
• Self check of health and wealth
• How can I buy long-term care insurance?
• Buying is no easy decision
• Medicaid and long-term care
• Simplified view of Medicaid and long-term care
• Medicaid and estate recovery
• Ohio's Long-term Care Partnership Program
• Long-term care benefits: what's covered?
• What factors affect your premium?
• Protecting your benefits
• Bells and whistles: additional features
• Exclusions: what’s not covered?
• Benefit triggers: when benefits start
• Tax qualified policies
• Replacing an older long-term care policy
• Consumer protections
• Long-term care insurance shopping tips
• Self-assessment: a financial inventory
• Sample policy checklist
• Planning for long-term care costs: other options
• How to use the premium charts
• Long-term care insurance premium charts
• LTC insurance consumer complaints
• Long-term care insurance shopping list
• Long-term care definitions

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