Long-Term Care Insurance (LTC)
Long-Term Care Insurance is designed to pay or reimburse covered long-term care costs if you need assistance or supervision because you are not able to do some of the basic "activities of daily living" (ADLs) such as bathing, dressing, or moving from a bed to a chair. Other people may need long-term care because of mental deterioration caused by Alzheimer's disease, or other mental illness or brain disorders. Long-term care costs may include services rendered in your home, a nursing home, assisted living facility or adult day care. Deciding on whether to buy long-term care may depend on your health, financial situation or long term goals for retirement. To find information on Long-Term Care Insurance, the names of insurance companies authorized to sell it and compare premiums, please refer to the guide below.
Long-Term Care Insurance Rate and History Guide
The California Department of Insurance annual Consumer Guide for Long-Term Care Insurance.
- California Partnership for Long-Term Care
The California Partnership for Long-Term Care is an innovative program of the California Department of Health Services in cooperation with a select number of private insurance companies. These companies have agreed to offer policies that must meet stringent requirements set by the Partnership and the State of California.
- Department of Health Care Services - Long-Term Care Alternatives
Long-Term Care Alternatives include an array of home and community choices that allow persons with disabilities to avoid unnecessary institutionalization.
- Medicare - Long-Term Care
Medicare's official U.S. Government website on long-term care
- National Association of Insurance Commissioners (NAIC) - Long-Term Care
NAIC's official website on long-term care. Insurance information on a wide range of topics.