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.

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

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


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 call 310.519.1335 or email us [email protected] for more details.

Planning Guide - Some Coverage better than NONE
Planning Guide – Some Coverage better than NONE
CA Dept of Aging – Long Term Care Taking Care of Tomorrow – Confirmed Most Recent Version as of 2.13.2018 with bookmarks
Medicare - Home Health Care
Medicare & Home Health Care # 10969
Long Term Care - CA Dept. of Aging
Long Term Care – CA Dept. of Aging
Sample Long Term Care Proposal
Sample Proposal – Male Age 68 – $6k/month


Mutual of Omaha - Custom Solution
Mutual of Omaha – Custom Solution
Income - Assets - Needs Worksheet
Income – Assets – Needs Worksheet


Genworth LTC Brochure
Genworth Brochure Rev 6.2015



Long Term Care Video - Click to view
Long Term Care Video – Click to View


Links & Resources

CA Health Care Advocates

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


Can I be denied because of genetic testing?

No.   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 hiring, firing, 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


Child Pages

See also worksheet from NAIC

4 comments on “Long Term Care

    • 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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