{"id":11271,"date":"2020-06-12T10:29:44","date_gmt":"2020-06-12T14:29:44","guid":{"rendered":"https:\/\/lifehappens.org\/?page_id=11271"},"modified":"2024-11-07T11:55:50","modified_gmt":"2024-11-07T16:55:50","slug":"long-term-care-insurance-101","status":"publish","type":"page","link":"https:\/\/lifehappens.org\/long-term-care-insurance-101\/","title":{"rendered":"Long-Term Care Insurance 101"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f8f7f4&#8243; custom_padding=&#8221;0px||||false|false&#8221; bottom_divider_style=&#8221;wave&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;4%||4%||false|false&#8221; custom_css_main_element=&#8221;align-items:center;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_text_color=&#8221;#00c67f&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;|20px|||false|false&#8221; custom_padding_tablet=&#8221;|50px|||false|false&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Long-Term Care Insurance 101<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.5em&#8221; custom_padding=&#8221;20px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]Did you know that neither your health insurance nor Medicare would pay for extended long-term care services in the event that you needed them in the future? If you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time, you\u2019ll need long-term care services. Here are some answers to common questions about long-term care insurance to help you figure out if it&#8217;s right for you.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_mlq3mxnp9a dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">\n<div class=\"wistia_swatch\" style=\"height:100%;left:0;opacity:0;overflow:hidden;position:absolute;top:0;transition:opacity 200ms;width:100%;\"><img decoding=\"async\" src=\"https:\/\/fast.wistia.com\/embed\/medias\/mlq3mxnp9a\/swatch\" style=\"filter:blur(5px);height:100%;object-fit:contain;width:100%;\" alt=\"\" aria-hidden=\"true\" onload=\"this.parentNode.style.opacity=1;\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;60px||40px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.3&#8243; width=&#8221;75%&#8221; width_tablet=&#8221;75%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_accordion open_toggle_background_color=&#8221;#ffffff&#8221; closed_toggle_background_color=&#8221;#ffffff&#8221; icon_color=&#8221;#00c67f&#8221; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;22px&#8221; _builder_version=&#8221;4.24.3&#8243; toggle_font=&#8221;|600|||||||&#8221; toggle_font_size=&#8221;27px&#8221; closed_toggle_font=&#8221;|600|||||||&#8221; closed_toggle_font_size=&#8221;27px&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_toggle_content=&#8221;padding-left:50px;&#8221; border_width_top=&#8221;0px&#8221; border_width_right=&#8221;0px&#8221; border_color_bottom=&#8221;#f2f1ee&#8221; border_width_left=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item open=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_css_main_element=&#8221;display:none;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Why is long-term care insurance worth it?&#8221; _builder_version=&#8221;4.24.3&#8243; custom_padding=&#8221;25px||37px||false|false&#8221; custom_padding_tablet=&#8221;25px||37px||false|false&#8221; custom_padding_phone=&#8221;25px|0px|37px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n[et_pb_section global_module=\"11283\"][\/et_pb_section]\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Do I need long-term care insurance?&#8221; _builder_version=&#8221;4.24.3&#8243; custom_padding=&#8221;25px||37px||false|false&#8221; custom_padding_tablet=&#8221;25px||37px||false|false&#8221; custom_padding_phone=&#8221;25px|0px|37px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n[et_pb_section global_module=\"11290\"][\/et_pb_section]\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What are my options for long-term care insurance? 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&#8221; _builder_version=&#8221;4.24.3&#8243; custom_padding=&#8221;25px||37px||false|false&#8221; custom_padding_tablet=&#8221;25px||37px||false|false&#8221; custom_padding_phone=&#8221;25px|0px|37px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n[et_pb_section global_module=\"11321\"][\/et_pb_section]\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How should I manage my long-term care insurance policy?&#8221; _builder_version=&#8221;4.24.3&#8243; custom_padding=&#8221;25px||37px||false|false&#8221; custom_padding_tablet=&#8221;25px||37px||false|false&#8221; custom_padding_phone=&#8221;25px|0px|37px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n[et_pb_section global_module=\"11325\"][\/et_pb_section]\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;When does a long-term care insurance policy start to pay for care?&#8221; _builder_version=&#8221;4.24.3&#8243; custom_padding=&#8221;25px||37px||false|false&#8221; custom_padding_tablet=&#8221;25px||37px||false|false&#8221; custom_padding_phone=&#8221;25px|0px|37px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n[et_pb_section global_module=\"11329\"][\/et_pb_section]\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How do I make a long-term care insurance claim?&#8221; _builder_version=&#8221;4.24.3&#8243; custom_padding=&#8221;25px||37px||false|false&#8221; custom_padding_tablet=&#8221;25px||37px||false|false&#8221; custom_padding_phone=&#8221;25px|0px|37px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n[et_pb_section global_module=\"11333\"][\/et_pb_section]\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-359d8186-f304-4d2e-9b3b-97ee4f94e314&#8243; custom_padding=&#8221;200px||120px||false|false&#8221; custom_padding_tablet=&#8221;140px||100px||false|false&#8221; custom_padding_phone=&#8221;80px||||false|false&#8221; top_divider_style=&#8221;wave&#8221; top_divider_color=&#8221;#FFFFFF&#8221; top_divider_height=&#8221;200px&#8221; top_divider_height_tablet=&#8221;160px&#8221; top_divider_height_phone=&#8221;100px&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; bottom_divider_color=&#8221;#F8F7F4&#8243; bottom_divider_height=&#8221;200px&#8221; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;160px&#8221; bottom_divider_height_phone=&#8221;100px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-db1582a4-c44f-4e36-9ba6-aabfeb59aaf9%22:%91%22background_color_gradient_stops%22%93,%22gcid-359d8186-f304-4d2e-9b3b-97ee4f94e314%22:%91%22background_color_gradient_stops%22,%22background_color%22%93}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_phone=&#8221;display:flex;||flex-wrap:wrap;&#8221; custom_css_main_element_tablet=&#8221;display:flex;&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|80px|||false|false&#8221; custom_padding_tablet=&#8221;|0px|||false|false&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom:0;||flex-basis:200%;&#8221; custom_css_main_element_phone=&#8221;margin-bottom:0;||order:2;&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;36px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Find a Financial Professional<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;20px&#8221; custom_padding=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Determining how much and what kind of insurance to buy is one of the most important financial decisions you\u2019ll make. Many people choose to work with a financial professional who will conduct a comprehensive financial needs analysis, and walk you through the multitude of questions you need to consider to determine how much and what kind of insurance is right for you.<\/p>\n<p>Get started with our locator to find a financial professional in your area.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/findapro.lifehappens.org\/&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Find a Pro&#8221; module_class=&#8221;button_icon_right&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#00C67F&#8221; button_use_icon=&#8221;on&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;1em|3em|1em|2em|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; 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_builder_version=&#8221;4.16&#8243; background_color=&#8221;#f8f7f4&#8243; custom_margin=&#8221;120px||||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; disabled_on=&#8221;on|on|on&#8221; disabled=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;0px||50px||false|false&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/08\/photo_RLS_LTCI_Mollicone_couple.jpg&#8221; title_text=&#8221;photo_RLS_LTCI_Mollicone_couple&#8221; _builder_version=&#8221;4.16&#8243; transform_translate=&#8221;0px|-70px&#8221; transform_translate_linked=&#8221;off&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;off|desktop&#8221; transform_scale__hover_enabled=&#8221;off|desktop&#8221; transform_translate__hover_enabled=&#8221;off|desktop&#8221; transform_rotate__hover_enabled=&#8221;off|desktop&#8221; transform_skew__hover_enabled=&#8221;off|desktop&#8221; transform_origin__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;120px||80px|60px|false|false&#8221; custom_padding_tablet=&#8221;0px|60px|||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_font=&#8221;|300|||||||&#8221; header_2_text_color=&#8221;#3390ff&#8221; header_2_font_size=&#8221;36px&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_4_font=&#8221;Montserrat|600||on|||||&#8221; header_4_text_color=&#8221;#00c67f&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Real Life Story<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_text_color=&#8221;#00c67f&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Long-term care insurance relieved the financial burden after a health crisis.<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]Theresa Mollicone was skeptical of long-term care insurance but after her husband, Joe, suffered a massive stroke that left him paralyzed and unable to speak, she became a believer. His long-term care insurance policy started paying the maximum daily benefit and has been just enough to cover Joe\u2019s homecare needs.<\/p>\n<p>\u201cIf we didn\u2019t have this insurance, caring for Joe would have depleted all the savings we had,\u201d Theresa says. \u201cNow I\u2019m not afraid of running of out money.\u201d[\/et_pb_text][et_pb_code _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;40px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<script src=\"https:\/\/fast.wistia.com\/embed\/medias\/tvme5qljvq.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><span class=\"wistia_embed wistia_async_tvme5qljvq popover=true popoverContent=link popoverPreventScroll=true style=\"display:inline;position:relative\"><a href=\"#\" class=\"wistia_button\">Watch now<\/a><\/span>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; saved_specialty_column_type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;12px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u00b9 <a href=\"https:\/\/acl.gov\/ltc\/basic-needs\/how-much-care-will-you-need\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. Department of Health and Human Services<\/a><br \/>\u00b2 <a href=\"https:\/\/www.genworth.com\/aging-and-you\/finances\/cost-of-care.html\" target=\"_blank\" rel=\"noopener noreferrer\">Genworth\u2019s Cost of Care Survey<\/a><br \/>\u00b3 <a href=\"https:\/\/www.aaltci.org\/long-term-care-insurance\/learning-center\/ltcfacts-2019.php\" target=\"_blank\" rel=\"noopener noreferrer\">American Association for Long-Term Care Insurance<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Long-Term Care Insurance 101Did you know that neither your health insurance nor Medicare would pay for extended long-term care services in the event that you needed them in the future? If you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time, you\u2019ll need long-term [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-11271","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Long-Term Care Insurance 101 &#8211; Life Happens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Long-Term Care Insurance 101\" \/>\n<meta property=\"og:description\" content=\"[et_pb_fullwidth_module_placeholder selected_tabs=&quot;all&quot;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/\" \/>\n<meta property=\"og:site_name\" content=\"Life Happens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lifehappens.org\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-07T16:55:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/og_image_LifeHappens_logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@lifehappens\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/\",\"url\":\"https:\/\/lifehappens.org\/long-term-care-insurance-101\/\",\"name\":\"Long-Term Care Insurance 101 &#8211; 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