Caregivers

questions & answers

Question: Do I need long-term care insurance?

Answer:

It depends on your situation - your health, financial resources and arrangements for future care, for example. There may come a time when you need daily help with bathing, dressing and preparing meals. Or, you may even need long-term, round-the-clock assistance. Such care can put a serious financial strain on you and your loved ones.
Unlike Medicare, long-term care insurance covers custodial care, and may cover home health care, adult day care, nursing home care, the cost of an assisted living facility and respite care. Medicare covers nursing facility and home health care but only if it is skilled care, medically necessary and for a limited period of time. Before investing in long term care insurance, consider your circumstances carefully and seek free counseling from the State Health Insurance Assistance Program (SHIP) Hotline (800) 432-4040, or you can also visit the Arizona Long Term Care System (ALTCS) on-line for more information.

Comments:

QUESTIONS

  • Do I need long-term care insurance?

STORIES

  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .

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FIND LEGAL HELP

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

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