Working with Seniors: Health, Financial, and Social Issues

Chapter 17: Long-Term Care Coverage

While long-term care (LTC) can encompass a wide range of services, most long-term care is unskilled assistance with the activities of daily living. Few people have saved adequately for the possibility of long-term care, and many people continue to believe the myth that Medicare will pay for their long-term care needs.

This chapter examines what constitutes long-term care and the basics of long-term care insurance. With this information, you understand the various types of long-term care needs, and how LTC insurance generally will – or will not – cover these conditions.