Step 1 of 2: Medical profile   Gender Date of birth Height Weight Smoker? Applicant* M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Spouse -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children 0  1 2 3 4 5 6         Children -- M F   / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children -- M F   / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children -- M F   / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children -- M F   / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children -- M F   / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Currently Insured?* Yes No Have conditions?* yes   no Please specify  Take medications?* yes   no Please specify  Step 2 of 2: Tell us about yourself First Name* Last Name* Address* City* State* Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip* Day Phone* Evening Phone* Contact Time* Morning Afternoon Evening Email* By submitting this form, you agree to be legally bound to, and abide by, the Privacy Policy.

Long Term Care

Long-term care is not covered by Medicare, but may be covered by Medicaid if eligible.
( Eligible for Medicaid? Click HERE to find out )

What it covers:

• Care in nursing homes and home care services such as nursing care, physical therapy, and home health aides
• Assisted living, adult daycare, and alternate care
• Alzheimer's and other organic cognitive disabilities usually covered

What is NOT covered:

• Preexisting conditions (insurance companies may exclude coverage of preexisting conditions for six months)
• Some mental and nervous disorders, alcoholism, and drug abuse

Policies often include "pooled benefits", which means that you are provided with a total dollar amount that may be used for different types of long-term care services. Usually, there is a daily, weekly, or monthly limit to your covered expenses. Daily benefit amounts generally range from $50 to more than $300 per day for nursing home coverage. You will have to pay for any costs exceeding the daily benefit amount that you purchase.

Factors that affect cost of policies:

• Inflation adjustment- initial benefit amount will increase automatically each year at a specified rate; can add 40 percent to over 100 percent to the premium
• Age- the older you are, the more expensive the premium; however, premiums remain the same each year so the younger you are when you buy the policy, the lower your annual premium will be
• Benefits- size of daily benefit and length of time for which benefits will be paid
• Elimination or deductible periods- number of days in residence at a nursing home or number of home care visits you must receive before policy benefits begin; range from zero to 100 days, the longer the period the lower the premium

The following table shows the differences in costs depending on age and whether the policy has an inflation adjustment:

1999 Long-Term Care Policy			$100 per day benefit for 4 years			Same Policy with Inflation Feature
			50 year-old	65 year-old	79 year-old	50 year-old	65 year-old	79 year-old
Cost per year			$409	$1,002	$4,166	$881	$1,802	$5,895

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