Benefits20Long-term20CareInformation Specialists are available to assist you and your family to make an informed choice regarding your long-term care needs. This service is available to you free of charge by calling (800) 654-2810.

What is Long-Term Care?

Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:

  • Bathing
  • Dressing
  • Using the toilet
  • Transferring (to or from bed or chair)
  • Caring for incontinence
  • Eating

Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including:

  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets
  • Responding to emergency alerts such as fire alarms


Who pays for Long-Term Care:

While there are a variety of ways to pay for long term care, it is important to think ahead about how you will fund the care you might need. Generally, Medicare does not pay for long-term care.  Consumer surveys reveal common misunderstandings about which public programs pay for long-term care services. It is important to clearly understand what is and isn’t covered. Medicare only pays for long-term care if you require skilled services or rehabilitative care. Medicaid does pay for the largest share of long-term care services, but to qualify, your income must be below a certain level and you must meet minimum state eligibility requirements. To learn more, call (800) 654-2810 to speak with an Information Specialist.

Choosing Long-Term Care:

Choosing long-term care is an important decision. Planning for long-term care requires you to think about possible future health care needs. It is important to look at all of your choices and to think about long-term care before you need care or before a crisis occurs.