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The Cost of Long-Term Care ServicesThe cost depends on what kind of care you need and where you are living when you need the care. Based on the MetLife Market Survey of Nursing Home & Home Care Costse and the MetLife Market Survey of Assisted Living Costs,f the costs for 2006 are as follows.
If you require in-home assistance from a Home Health Aide (HHA), you may start out with an hourly visit but if you become frailer in the future, you may also begin to need help with activities such as bathing. This may increase the time the HHA would need to spend with you per day and may increase the cost of service. Also, if your needs change and you require the services of a skilled nurse instead of a HHA, the cost of care would generally be higher. Because care situations vary greatly among individuals, the costs and location of care received may also vary. Generally, the yearly average cost of a HHA is less than that of a yearly average cost of a nursing home, but, for instance, if you need around the clock care, the costs may be more expensive. Again, much depends on your care situation. Return to Top For additional information see the links below: Long-Term Care Insurance-Home Page General Information 1. What is long-term care? 2. Where can I receive long-term care services? 3. What are Activities of Daily Living (ADLs)? Paying for Long-Term Care Services 1. How are long-term care services paid? a. Self-Insure b. Medicaid c. Medicare d. Long-Term Care Insurance Is Long-Term Care Insurance Appropriate for You or a Family Member? 1. Who could benefit from purchasing long-term care insurance? 2. What is the right age to purchase long-term care insurance? 3. Is there anyone who should not purchase long-term care insurance? What Are the Costs of Long-Term Care Policies Based On? How to Select a Policy? 1. What decisions do I need to make? 2. How can I protect myself against the rising cost of care? 3. How much coverage is right for me? What About Different types of Policies and Coverage? 1. What is the difference between “reimbursement,” “indemnity,” and “disability” type policies? 2. What is a "Tax Qualified" policy? 3. What are "Partnership Programs"? How Long Can I Expect to Need Coverage? What About Benefits? 1. How do I become eligible to receive benefits? 2. Who determines when I am eligible for benefits? 3. What happens to my benefits if I stop paying my premium? 4. What is a “return of premium on death” benefit? What Else Should I Know? 1. Can I change my mind if I buy a policy? 2. Can my premiums be raised? 3. How can I evaluate a long-term care insurance company? 4. How can I obtain detailed information on long-term care insurance? Return to Top |
| Like other insurance coverage, long-term care insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete details, contact an insurance company offering long-term care insurance. |
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