Paying for long-term care (sometimes called “long-term services and supports”) includes non-medical care for people who have a chronic illness or disability. This includes non-skilled personal care assistance, like help with everyday activities, including dressing, bathing, and using the bathroom. Non-medical care also includes home-delivered meals, adult day health care, and other services. Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for this type of care. You may be eligible for this care through Medicaid, or you can choose to buy private long-term care insurance. You can get long-term care at home, in the community, in an assisted living facility, or in a nursing home. It’s important to start planning for long-term care now to maintain your independence and to make sure you get the care you may need, in the setting you want, now and in the future.

What does a nursing home cost today?

What if I don’t end up needing it?

Isn’t long-term care insurance expensive?

Can I afford to self-insure?

Call us at 309-582-6147 for the answers to these questions.