Long-Term Care...

By: Taylor

Most health insurance programs do not offer long term care. Long-term care includes support for basic daily living for disabled or chronically ill people. It may include personal assistance for everyday activities including dressing, bathing, and using the bathroom. Long-term care can be rendered at home, in the community, in assisted living, or in a nursing home. Nobody knows if he or she will require long term care in future or not. It is wise to choose a plan which offers long term care on affordable costs. Most health insurances including Medicare do not offer long term care. Though Medicare pays for time-limited, medically necessary skilled nursing facility care or home health care, it does not pay for long term care.

Some private insurance policies offer long-term care including both skilled and personal care. Some of them may cover only nursing home care. Some may cover services like adult day care, assisted living, medical equipment, and home care. It differs from policy to policy.

Retired and working federal employees, active and retired members of the uniformed services and their qualified relatives may avail long term care coverage under Federal Long-term Care Insurance Program. Medicaid also offers coverage for long-term care services. Each state offer coverage for people with low incomes including families and children, the elderly, and people with disabilities through Medicaid. It pays for nursing home care too. There are also community-based long-term care services, which are offered through Medicaid. The Department of Veterans Affairs (VA) also offers long-term care benefits and services for service-related disabilities and other such conditions. It offers a Housebound and Aid and Attendance Allowance Program providing cash benefits to eligible disabled veterans and their spouse. It can be used to avail homemaker, personal care, and other services for help at home.

Community Living Assistance Services and Supports or CLASS Program

The Affordable Care Act has provided for creation of Community Living Assistance Services and Support or CLASS Program. It is a voluntary national insurance program running since October 2012. It aims at providing support to pay for services and supports needed to maintain independence in community.


Working people over age of 18 years can enroll in the CLASS Program.


Enrollees will receive a cash benefit if they have functional limitations for at least 90 days and they meet other eligibility requirements. Functional limitations involve need for help with basic daily living activities such as eating and getting in and out of bed. It also pays for supports such as home modifications, assistive technologies, home care aides, and personal assistance. The cash benefit is available to only those enrollees who have contributed to the program for at least five years. The minimum average daily benefit will be $50 a day.

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