Search Long Term Care Insurance

4+ day, 20+ hour ago (432+ words) Many Americans will not be able to afford the long-term care (LTC) they, or aging loved ones they're caring for, will someday require. Benefits including long-term-care insurance (LTCi) and predictive AI technology that assesses potential future needs can encourage employees to invest in this later-life stage ahead of time. "The care needs are expensive, they can last a long time, and they're not covered by any of the insurances that we typically have," says Eileen Tell, principal and owner of ET Consulting, which focuses on long-term-care aging services, research and policy. In a study by the Certification for Long-Term Care (CLTC) and UMass Boston's LeadingAge LTSS Center for which Tell was a leading researcher, families with and without LTCi shared feedback about their experiences with in-home long-term care. The strain on families without insurance was clear. "When a loved one…...

5+ day, 5+ hour ago (313+ words) AHIP is the national association whose members provide health care coverage, services, and solutions to hundreds of millions of Americans every day. We are committed to market-based solutions and public-private partnerships that make health care better and coverage more affordable and accessible for everyone. Published Nov 25, 2025 " by AHIP WASHINGTON" Long-term care insurance (LTCI) empowers nearly 7 million Americans with the flexibility to choose when, where, and how they receive care as they age and if the need arises'this is at home, in the community, or at a care facility. LTCI helps safeguard hard-earned retirement savings, reduces the financial and caregiving burden on families, and offers peace of mind by covering care costs that for most may become unaffordable. With an aging population and increased demand for long-term care services in the United States, LTCI will remain an indispensable resource and investment…...

5+ day, 9+ hour ago (432+ words) Many Americans will not be able to afford the long-term care (LTC) they, or aging loved ones they're caring for, will someday require. Benefits including long-term-care insurance (LTCi) and predictive AI technology that assesses potential future needs can encourage employees to invest in this later-life stage ahead of time. "The care needs are expensive, they can last a long time, and they're not covered by any of the insurances that we typically have," says Eileen Tell, principal and owner of ET Consulting, which focuses on long-term-care aging services, research and policy. In a study by the Certification for Long-Term Care (CLTC) and UMass Boston's LeadingAge LTSS Center for which Tell was a leading researcher, families with and without LTCi shared feedback about their experiences with in-home long-term care. The strain on families without insurance was clear. "When a loved one…...

5+ day, 21+ hour ago (641+ words) Travelling to the United States (US) is a memorable experience for many senior citizens. From visiting family to exploring iconic attractions, a trip to the USA offers plenty to look forward to. However, the country is also known for having some of the highest healthcare costs in the world. Because of this, seniors planning a trip must ensure they are financially protected. This is where travel insurance for USA plays an essential role. Having adequate coverage helps seniors travel with [] Travelling to the United States (US) is a memorable experience for many senior citizens. From visiting family to exploring iconic attractions, a trip to the USA offers plenty to look forward to. However, the country is also known for having some of the highest healthcare costs in the world. Because of this, seniors planning a trip must ensure they are…...

6+ day, 9+ hour ago (491+ words) Kelly Gusmano knows that paying for long-term care is a complicated " and costly " subject. With nursing home care averaging $16,000 to $20,000 per month, "no one wants their medical needs to deplete their life savings," said Gusmano, a partner at Woods Oviatt Gilman." Other panelists were Korin Reynolds, director of Community Relations & Admissions at St. John's and Dan Lyon, Fraud/Scam"and Identity Theft Program Manager at Lifespan." Gusmano focused her remarks on options for paying for long-term care, covering private pay, long-term care"insurance"and Medicaid " the only government program that covers long-term care in a skilled nursing facility." She also outlined Medicaid eligibility requirements, community Medicaid benefits for those living outside nursing homes, and the five-year lookback period that examines an applicant's financial history for asset transfers." Because of the complexity, she urged individuals to consult an attorney at any…...

6+ day, 17+ hour ago (293+ words) We are all aware that the cost of long-term care can be substantial. For many, these costs are challenging to pay for on their own. Assets have to be liquidated to qualify for public assistance. This system helps people get the treatment they need without depleting all other resources. It allows families to retain specific resources and ensure that family members are taken care of. Different approaches can help achieve success in asset spend-down. When considering how to protect property from creditors, one option is to exchange countable property for exempt property. These include home improvements or buying essential things. One more approach is to settle an obligation. That not only diminishes countable assets but also enhances the overall financial picture. The money spent down must be handled ethically and with integrity to comply with the law and avoid fines....

1+ week, 2+ day ago (593+ words) Everyone has heard about someone who lost their life's savings to the high cost of long-term care. The media is full of such stories. KFF Health News and the New York Times highlighted many in their Dying Broke series." Nevertheless, I'd like to ask senior living operators and investors these questions. How often do you see catastrophic LTC spend down occur among your clientele? Is that outcome widespread or only anecdotal? Have you ever seen hard evidence that LTC spending down into impoverishment is commonplace? I've followed the literature on Medicaid financial eligibility and LTC spend down for decades. Over the years, many scholars of fine repute have published extremely high estimates of personal out-of-pocket LTC spending. A few examples follow. Let's consider whether they are valid. Kemper, Komisar, and Alecxih claimed in 2005 that 45% of" LTC expenditures were "uninsured private…...

1+ week, 2+ day ago (180+ words) (BPT) - Long-term care (LTC) isn't just about nursing homes or medical treatment, it's about maintaining your independence and quality of life as you age. Many Americans will need some form of long-term care, which can include help with daily activities, in-home medical support, meal preparation, housework, pet care, and money management. Because most people receiving care live at home or in their community, not in facilities, understanding what LTC covers and planning early can reduce future costs, preserve your independence, and give your family peace of mind. (BPT) - Long-term care (LTC) isn't just about nursing homes or medical treatment, it's about maintaining your independence and quality of life as you age Many Americans will need some form of long-term care, which can include help with daily activities, in-home medical support, meal preparation, housework, pet care, and money management Because most…...

1+ week, 2+ day ago (254+ words) (BPT) - Long-term care (LTC) isn't just about nursing homes or medical treatment, it's about maintaining your independence and quality of life as you age. Many Americans will need some form of long-term care, which can include help with daily activities, in-home medical support, meal preparation, housework, pet care, and money management. Because most people receiving care live at home or in their community, not in facilities, understanding what LTC covers and planning early can reduce future costs, preserve your independence, and give your family peace of mind. (BPT) - Long-term care (LTC) isn't just about nursing homes or medical treatment, it's about maintaining your independence and quality of life as you age. Many Americans will need some form of long-term care, which can include help with daily activities, in-home medical support, meal preparation, housework, pet care, and money management. Because most…...

1+ week, 2+ day ago (324+ words) (BPT) - Long-term care (LTC) isn't just about nursing homes or medical treatment, it's about maintaining your independence and quality of life as you age. Many Americans will need some form of long-term care, which can include help with daily activities, in-home medical support, meal preparation, housework, pet care, and money management. Because most people receiving care live at home or in their community, not in facilities, understanding what LTC covers and planning early can reduce future costs, preserve your independence, and give your family peace of mind. (BPT) - Long-term care (LTC) isn't just about nursing homes or medical treatment, it's about maintaining your independence and quality of life as you age. Many Americans will need some form of long-term care, which can include help with daily activities, in-home medical support, meal preparation, housework, pet care, and money management. Because most…...