Long-term care (LTC) insurance provides assistance to individuals who can no longer perform the day-to-day activities normally associated with independent living due to chronic illness, disability, disease or merely as a result of the frailties of aging. This assistance can be provided in the home, community or at an assisted living facility or nursing home. More than nine million Americans have obtained LTC coverage; however, far too many individuals continue to put off planning for LTC until it is actually needed, at which point they face severe constraints to finance their care.
Long-Term Care Pathfinder Toolkit
Long-term care (LTC) insurance is an important tool for protecting against financial risk should chronic illness or disability leave a person unable to perform activities of daily living. Going beyond medical care and nursing care LTC insurance provides assistance through a variety of services to help meet everyday needs. LTC benefits can be received in a nursing home, assisted-living facility, or in the home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness may also need long-term care.
My Life. My family. is a national education campaign by America’s Health Insurance Plans (AHIP) to inform consumers about their risks of needing long-term care and the valuable financial protection long-term care insurance provides.
Who Buys Long-Term Care Insurance in 2010-2011? is a twenty year study of the long-term care insurance marketplace that AHIP has undertaken with LifePlans, Inc.
The AHIP Board of Directors released a statement on the role of long-term care insurance for an aging baby-boom population.
While people continue to purchase LTC insurance for multiple reasons, in 2005, the single most important reason for purchase was to protect assets.
As more people purchase private LTC Partnership policies, the long-run outlook for Medicaid costs will improve.
This survey measures the growth of the long-term care insurance industry and monitors the evolution of long-term care insurance products.
This study summarizes the major advantages of long-term care insurance for policyholders, caregivers, and public programs.
A study of employer long-term care insurance plans, 2000-2001.
A Decade of Study of Buyers and Nonbuyers.