Long-term care

How often is it covered? Long-term care (LTC) is a range of services and support for your personal care needs. Most long-term care isn’t medical care. Instead, it offers help paying for assistance with basic personal tasks of everyday life, sometimes called activities of daily living.

These activities include bathing, dressing, grooming, using the toilet, eating, and simply getting around.

Medicare doesn’t cover LTC (also called custodial care), if that’s the only care you need. Most nursing home care is custodial care. Get more information about nursing home care.

Medicare does cover:

You may also want to think about choices other than nursing home care.

Visit LongTermCare.gov for information and resources to help you and your family plan for future LTC needs.

Planning for this now will pay off in the long run. If left uncovered, you will spend $140,000 on average according to a report by AARP.About half of 65-year-olds will eventually develop a disability and require some sort of LTC services. Don’t be forced into digging into your savings or go into debt when you need assistance. Talk to one of our experienced agents and see if we can give you peace-of-mind.