Do You Know Long-Term Care? (Part 2/3)

Friday, November 21, 2014

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). Long-term care insurance helps cover the costs of home and nursing care when you are not able to perform ADLs on your own.

As we continue celebrating LTC Awareness month, we want to see how much you know about long-term care. The goal of LTC Awareness month is to create heightened awareness of the need for long-term care and the importance of planning options available to Americans and their families.

Now we want to ask: are the following three statements.[1] true or false?

1. Medicare is not the primary funding sources for most seniors’ long-term care costs.

Medicare appending accounted for 20% of total long-term care expenditures in 2007. While it primarily covers acute care, it pays for limited stays in post-acute skilled nursing care facilities and home health care.[2]

2. Most long-term care is provided in a nursing home.

Most LTC is not provided in nursing homes. 80% of older adults who receive LTC do so in their own homes or community settings.[3]

3. Medicaid covers long-term care services received at home.

Medicaid primarily covers long-term care services in nursing homes. In states where Medicaid does cover home-based long-term care services, it is done so on a limited basis.[4]


To learn more information about LTC and your LTC needs, please contact Keith Eig.

[1] Statements given by John Hancock's Long-Term Care Quiz.

[2] H. Komisar and L. Thompson, National Spending for Long-Term Care (Washington, DC: Georgetown University Long-Term Care Financing Project, February 2007, Fact Sheet).

[3] US Department of Health and Human Services, National Clearinghouse for Long-Term Care Information,, September 2008.

[4] The Official US Government Sit for People with Medicare,; Medicaid and Long-term Care, “What is Long-term Care?” August 2006.