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What You Need to Know About Long-Term Care Insurance
By Anthony J. Camill, CLTC

What is Long Term Care Insurance?
Insurance designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

What is the Pennsylvania Partnership for long-term care?
To encourage residents to purchase long term care insurance Congress passed the Deficit Reduction Act of 2005 (DRA). The new law allows the consumers to benefit from asset protection through these partnership programs. Although not all long term care insurance companies are Pennsylvania Partnership Approved.

Long-term care insurance will allow the consumer to choose where they can receive care (Assisted living Facilities, Personal Care Homes, Home Care, Nursing homes). Its importance to get a better understanding and get the facts about your Health Care, and whether long-term care insurance is appropriate for your personal situation.
We are living longer lives than ever before. Improvements in health care and increase in longevity are guaranteeing more people will reach their 80’s than ever before.

As our longevity increases so too does our need for some type of care. Alzheimer’s disease is one of the major reasons for consumers to pay attention, and is discussed more than it was twenty years ago.

Does Medicare cover my long-term care cost?
Medicare covers only the highest level of care. This specific type of care can only be provided in a Skilled Nursing facility, and after a hospital stay.

A failure to plan is a plan for failure. Circumstances can change tomorrow. It’s important to speak with a specialist and determine whether long-term care insurance is right for you.

Anthony J. Camill, Regional Marketing Director for Western PA/NY Long Term Care Insurance Brokers, can be reached at (412) 445-6171 or acamill@nyltcb.com.

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