Long Term Care Insurance

Long Term Care Insurance  pays when you  can no longer care for yourself, that is you are not able to fully do 2 or more of seven Activities of daily living” which include eating, bathing, dressing, ambulating, transferring, toileting, and continence;

Medicare does NOT pay for Long Term Care (Page 147)..   Medicare may pay for 90 days in a nursing home after 3 days in a hospital.  Click here for Medicare Publication 10153 to learn more above coverage in skilled nursing, when you need medical care and not just maintenance.

Click here for
complementary Long Term Care Proposal


Long Term Care includes a wide range of mostly non-medical services that are designed to help people maintain the maximum level of independence.  Care can be custodial, intermediate or skilled in nature and can be provided in the home, (most claims are for in home care) community or institutional setting. Long term care can be provided in a formal (nursing home) or informal manner (home care, family & friends).

The Three main types of coverage are:

  • nursing facility,
  • home care  – here’s what Medicare covers publication # 10969 32 Pages
  • comprehensive, which includes both nursing and home care coverage. BJFIM.com

Questions to ask yourself to figure out what you might need?

Miscellaneous Information 

Children can pay the premium on their parents policy.

Husband & Wife Planning – 2 page brochure

Benefits are generally income tax free, see the Taking Care of Tomorrow brochure for more details.

Premium Tax deduction if medical expenses exceed 10% or 7.5%  if over 65 Mutual of Omaha 

If your employer pays, it’s no income to you and the employer gets a deduction.

Medi-cal (Medicaid)  Welfare, might pay, however if you have $$$ or Property, they might put a lien on your home.

The average cost for a private room in a nursing home in Los Angeles is $175/day.  Average hourly home heath care is $15.Genworth CalculatorDaily Cost Chart 5% Compound DHCS.gov

Get LTC Quote

Please email us [email protected] for more details.


More and ask your own question 


Can I be denied because of genetic testing?


The Genetic Information Nondiscrimination Act of 2008 (Pub.L. 110–233, 122 Stat. 881, prohibits the use of genetic information in health insurance and employment. The Act prohibits group health plans and health insurers from denying coverage to a healthy individual or charging that person higher premiums based solely on a genetic predisposition to developing a disease in the future. The legislation also bars employers from using individuals’ genetic information when making hiringfiring, job placement, or promotion decisions.[1] The Act contains amendments to the Employee Retirement Income Security Act of 1974[3] and the Internal Revenue Code of 1986.[4]

CA Law – genomics law report.com * SB 559 – 2011 Padilla


See also worksheet from NAIC


1. Seven percent of my annual income is approximately $_______________.  (This is the maximum amount of annual income experts advise spending  on a premium.)

2. The cash value of my non-housing assets* is $____________.  (This is the amount you would otherwise have to spend for long-term care.)

3. My non-housing assets would last _____________ years if I needed care today.  (This is the approximate number of years of coverage you might consider buying.)

4. I can afford to pay $____________ a day towards the cost of my own care.  The difference between the amount I can afford and the cost of care today is $_________. (This is the approximate amount of daily benefit you will need.)

5. I can afford to pay a total of $____________ for the first days of care in a nursing home. Therefore, I will need a waiting period no longer than:

30 days $__________ 60 days $__________ 90 days $____________.

(To determine the amount you would pay, multiply the daily nursing home cost times the number of days in the waiting period.) Copied from Taking Care of Tomorrow

Links & Resources

CA Health Care Advocates

Dave Ramsey on when you need Long Term Care  

Rate Increases?   Calif. Health Line 3.16.2016

How will we pay for LTC?   CA Health Line 3.16.2016

Asset & Income Questionnaires?  Do you have too much $$$ so you don't need LTC or so little it's Medi-Cal?

NAIC  National Assoc. of Insurance Commissioners

CA Taking Care of Tomorrow

Will annuities take care of your planning needs?

Long Term Care.Gov

Genworth Total Living Coverage Brochure 20 pages Rev 11.2013

Privileged Choice Flex Rev 6.2015

the long term care guy.com

Life Happens.Org  - Long Term Care  

AHIP  Who buys Long Term Care Insurance?

Medicare Website on what Medicare Covers

American Assoc. for Long Term Care Insurance

Long Term Care.gov

Sample Long Term Care Policy

Genworth - Care & Support for your family

Long Term Care Fact Sheet

Prevent & Report Elder Abuse CA Attorney General

Veteran's Administration on Long Term Care

Long Beach Breakers Hotel may lose license

Cal Pers 85% Rate Hike 2.22.2013

California Health Insurance Counseling and Advocacy Program (HICAP)

LTC Consultant’s

LTC Glossary   ♦  Long Term Care Glossary  ♦    Genworth Glossary

Home Health Care in CA  

long term care.gov

California Partnership Website
California Partnership 3 Page Explanation

California Department on Aging

cal medicare.org/

Importance of Completing Application Properly Lawyer’s Website    Steve Shorr’s Website

care giver.org

CA DHCS Resources

California Partnership  Brochure  Rev 2010

CHFC Reports 7.2013

d i law Group.com/

NIH Long Term Car

Rob Lowe - Maria Shriver Video


Skilled Nursing - Medicare Coverage?  # 10153 

Skilled Nursing - Medicare

The Basics

A quick look at Medicare coverage of skilled nursing facility (SNF) care
What’s skilled nursing facility (SNF) care?
Why would I need skilled nursing or therapy care?
How do I find and choose a skilled nursing facility (SNF)?

Medicare SNF Coverage 

When will Medicare cover skilled nursing facility (SNF) care?
How long does Medicare cover my SNF care? 
Examples of Medicare skilled nursing facility (SNF) coverage
What does Medicare cover when I qualify for skilled nursing facility (SNF) care?

What You Pay

What do I pay for skilled nursing facility (SNF) care in 2015?
Ways to get help paying for skilled care and other health care costs 

Your Care in a SNF 

What’s an assessment?
What’s a care plan?

When Your Medicare Coverage Ends

What if I think my skilled nursing facility (SNF) coverage is ending too soon?
Plan ahead

Your Rights & Protections

What are my rights in a skilled nursing facility (SNF)?
How can I report and resolve problems?
What if I think my SNF charges are wrong?

Skilled Nursing Facility Checklist



6 comments on “Long Term Care

  1. I am saving this web page URL (in my LTC folder) to keep its links to the State of California info regarding LTC.

    Even if affordability is questionable today, if a family member were to die and leave me enough money, I might be able to swing the deal. — As morbid a thought that is!

    Money can suddenly come from more than one source. — A lucky lawsuit, perhaps?

    • Sorry, No. Here’s an explanation from the 2005 Medicare & You Publication

      Long-term care includes non-medical care for people who have a chronic illness or disability. This includes non-skilled personal care assistance, like help with everyday activities, including dressing, bathing, and using the bathroom. At least 70% of people over 65 will need long-term care services and support at some point. Medicare and most health insurance plans, including Medicare Supplement Insurance (Medigap) policies, don’t pay for this type of care, sometimes called “custodial care.” Long-term care can be provided at home, in the community, in an assisted living facility, or in a nursing home. It’s important to start planning for long-term care now to maintain your independence and to make sure you get the care you may need, in the setting
      you want, in the future.

      Here are some of the different ways to pay for long-term care:




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