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Long-term Care Insurance

Long-Term Care (LTC) is help that a person may need if he/she is unable to perform certain personal tasks for an extended period due to illness or disability. LTC may include help at a nursing home, adult day care center, assisted living facility, or your own home.

Long-term care insurance is a policy that is designed to help pay the cost of LTC. But even the best LTC insurance policy will not cover all the expenses.

Long-term care is very expensive, especially if the care lasts for a year or more. LTC policies pay for costs associated with this care. On the other hand, LTC insurance can also be rather expensive - especially if a person never needs to use it. Most people who enter a nursing home stay only a few months. The statistics below are from studies conducted in 1997 and produced by the Ohio Department of Aging in 2001.

  • Once a person reaches age 65, there is a 43 percent chance of being in a nursing home at some future date.
  • The average stay in a nursing home for people age 65 and over was 290 days.
  • Only 10 percent of these nursing home residents had a stay between one year and three years.
  • The average "long-stay" nursing home patient stays for about two years.

Click here to read Long-Term Care Terms

Where can I receive care under a long-term care policy?

The types of places where you can get long-term care depends on what is allowed by your insurance policy. There are four kinds of facilities where care is usually delivered, and policies generally include all four.

Your policy will cover your care in one or more of the following:

  • Your Home
  • Adult Day Service Center
  • Assisted Living Facility
  • Nursing Home


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Centers for Medicare & Medicaid Services
Baltimore , MD  21244-1850

Phone: 1-800-633-4227
Phone Extension: N/A
Area(s) Served: Nationwide Contracted Provider: Not Applicable
Description: has all of the information and tools you need for questions or help with Medicare. You can: enroll in Medicare online compare and enroll in Medicare health or prescription plans find and compare doctors check to see if a test... read more
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Ohio Department of Insurance

50 W. Town Street
Columbus , OH  43215

Phone: 1-800-686-1526
Phone Extension: N/A
Area(s) Served: Statewide Contracted Provider: Not Applicable
Description:   The mission of the Ohio Department of Insurance is to provide consumer protection through education and fair but vigilant regulation while promoting a stable and competitive environment for insurers. The department publishes several consumer... read more
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Ohio Long-Term Care Consumer Guide

Ohio Department of Aging
Columbus , Ohio  43215

Phone: 614.466.5500
Phone Extension: N/A
Area(s) Served: Statewide Contracted Provider: Not Applicable
Description:   Use the Consumer Guide to search for and compare nursing homes, residential care (assisted living) facilities, and supportive living facilities and to learn more about services in your home and community that may meet your needs.

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