Frequently Asked Questions
Click on the questions and the answer will be displayed at the bottom of this page.

  • What Is Long-Term Care?
  • How Much Does Long-Term Care Cost?
  • Who Pays For Long-Term Care?
  • Who May Need Long-Term Care?
  • Do You Need Long-Term Care Insurance?
  • Is Long-Term Care Insurance Right For You?
  • What Is a Federally Tax-Qualified Long-Term Care Insurance Policy?
  • How Can You Buy Insurance to Pay for Long-Term Care?
  • How Do Long-Term Care Insurance Policies Work?
  • Other Long-Term Care Insurance Policy Options You Might Choose
  • What Happens If You Can't Afford the Premiums Anymore?
  • Will Your Health Affect Your Ability to Buy a Policy?
  • What Happens If You Have Pre-Existing Conditions?
  • Can You Renew Your Long-Term Care Insurance Policy?
  • What Do Long-Term Care Insurance Policies Cost?
  • If You Already Own a Policy, Should You Switch Plans or Upgrade the Coverage You Have Now?

    Who May Need Long-Term Care?

    The need for long-term care may begin gradually as you find that you need more and more help with activities of daily living, such as bathing and dressing. Or you may suddenly need long-term care after a major illness, such as a stroke or a heart attack.

    If you do need care, you may need nursing home or home health care for only a short time. Or, you may need these services for many months, years, or the rest of your life.

    It is hard to know if and when you will need long-term care, but there are some studies that may help.

     

     

    For example: