{"id":3522,"date":"2024-02-08T15:08:43","date_gmt":"2024-02-08T23:08:43","guid":{"rendered":"https:\/\/assistinghands.com\/99\/?p=3522"},"modified":"2024-03-06T13:09:09","modified_gmt":"2024-03-06T21:09:09","slug":"how-does-long-term-care-insurance-work","status":"publish","type":"post","link":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/","title":{"rendered":"How Does Long-Term Care Insurance Work?"},"content":{"rendered":"<p>Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities of daily living (ADLs) independently.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3527\" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg\" alt=\"long-term care insurance for elderly\" width=\"372\" height=\"224\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-300x181.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-1024x616.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-768x462.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-600x361.jpg 600w\" sizes=\"auto, (max-width: 372px) 100vw, 372px\" \/><\/p>\n<p>Most conditions impacting people with long-term care needs are chronic such as:<\/p>\n<ul>\n<li>high blood pressure<\/li>\n<li>Alzheimer&#8217;s disease and dementia<\/li>\n<li>depression<\/li>\n<li>arthritis<\/li>\n<li>diabetes<\/li>\n<li>heart disease<\/li>\n<\/ul>\n<p>But chronic disease is not exclusively reserved for those in long-term care.<\/p>\n<p>Chronic disease types covered varies by policies, but they often include:<\/p>\n<ul>\n<li>home health care such as skilled in-home nursing care<\/li>\n<li>occupational<\/li>\n<li>speech<\/li>\n<li>physical and rehabilitation therapy<\/li>\n<li>help with activities of daily living like bathing and eating<\/li>\n<\/ul>\n<div data-hveid=\"CB0QAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3><\/h3>\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">What is the biggest drawback of long-term care insurance?<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div id=\"_uSDFZZaWJbismtkPwcqgoAI_49\" class=\"bCOlv\" data-ved=\"2ahUKEwjW1uD0spyEAxU4liYFHUElCCQQ7NUEegQIHRAE\">\n<div class=\"IZE3Td\">\n<div class=\"t0bRye r2fjmd\" data-hveid=\"CB0QBQ\" data-ved=\"2ahUKEwjW1uD0spyEAxU4liYFHUElCCQQu04oAHoECB0QBQ\">\n<div id=\"uSDFZZaWJbismtkPwcqgoAI__6\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<div class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBsQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Long term care insurance can be expensive and premiums can go up. <\/span><\/span><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBsQAA\"><\/div>\n<div class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBsQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">That&#8217;s often a big, unpleasant surprise for many people.<\/span><\/span><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBsQAA\"><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBsQAA\">But despite the increasing rates, in the long run, LTC costs can be less than the payout for care once it&#8217;s needed.<\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBsQAA\">\n<div data-hveid=\"CBkQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3><\/h3>\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">Is long-term care insurance worth it?<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div id=\"_uSDFZZaWJbismtkPwcqgoAI_47\" class=\"bCOlv\" data-ved=\"2ahUKEwjW1uD0spyEAxU4liYFHUElCCQQ7NUEegQIGRAE\">\n<div class=\"IZE3Td\">\n<div class=\"t0bRye r2fjmd\" data-hveid=\"CBkQBQ\" data-ved=\"2ahUKEwjW1uD0spyEAxU4liYFHUElCCQQu04oAHoECBkQBQ\">\n<div id=\"uSDFZZaWJbismtkPwcqgoAI__9\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<div class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">If you&#8217;re worried about potentially needing to pay for long-term care, long-term care insurance can be an excellent investment.<\/span><\/span><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\"><\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3526\" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-copy.jpg\" alt=\"long-term care insurance compassionate caregiver\" width=\"393\" height=\"155\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-copy.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-copy-300x118.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-copy-1024x404.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-copy-768x303.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2-copy-600x237.jpg 600w\" sizes=\"auto, (max-width: 393px) 100vw, 393px\" \/><\/p>\n<div class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Nursing home and assisted living care can be expensive and long-term care coverage can lessen your family&#8217;s financial burden and, most importantly, offer you peace of mind.<\/span><\/span><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\">Take note that some states do not allow certain exclusions.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\"><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\">Furthermore, many long-term care policies exclude coverage for mental and nervous disorders or diseases (except organic brain disorders) and alcoholism and drug addiction.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CBoQAA\">\n<div data-hveid=\"CAIQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3><\/h3>\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">Why do people want long-term care insurance?<\/span><\/span><\/h3>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">Often, families are busy with their lives, live far distances apart, and find it challenging to care for ailing loved ones as that could be a full-time job in itself.<\/span><\/div>\n<\/div>\n<\/div>\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\"><\/div>\n<div data-hveid=\"CAIQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\">As such, we step in and help with daily care, bringing much peace of mind to families as they resume their lives.<\/div>\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\"><\/div>\n<\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-3528\" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-copy.jpg\" alt=\"home care aide\" width=\"509\" height=\"269\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-copy.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-copy-300x159.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-copy-1024x541.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-copy-768x406.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-copy-600x317.jpg 600w\" sizes=\"auto, (max-width: 509px) 100vw, 509px\" \/><\/p>\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\">In addition, LTC insurance helps cover the costs of care.<\/div>\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\"><\/div>\n<\/div>\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\">While home care out-of-pocket costs may be tax deductible, having LTC insurance can relieve the pressures of paying for care out-of-pocket when families may be unprepared to do so unexpectedly.<\/div>\n<div data-hveid=\"CAIQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\"><\/div>\n<\/div>\n<div data-ved=\"2ahUKEwiayLzws5yEAxX2RjABHTFNAycQuk56BAgCEAI\">\n<div data-hveid=\"CAMQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3><\/h3>\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">What is the goal of purchasing a long-term care insurance policy?<\/span><\/span><\/h3>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwjyiqaQtJyEAxV6SzABHSakDg0Quk56BAgDEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">If you purchase a long-term care insurance policy, out-of-pocket costs may be unnecessary. <\/span><\/div>\n<div data-ved=\"2ahUKEwjyiqaQtJyEAxV6SzABHSakDg0Quk56BAgDEAI\"><\/div>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwjyiqaQtJyEAxV6SzABHSakDg0Quk56BAgDEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">This type of coverage is used to <\/span>help cover the costs of care received in nursing homes, specialty care facilities, assisted living facilities, hospice care &#8211; and <a href=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/assisting-hands-yorba-linda\/benefits-of-home-care\/\">home care<\/a><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">.<\/span><\/div>\n<div data-ved=\"2ahUKEwjyiqaQtJyEAxV6SzABHSakDg0Quk56BAgDEAI\"><\/div>\n<\/div>\n<div data-ved=\"2ahUKEwjyiqaQtJyEAxV6SzABHSakDg0Quk56BAgDEAI\">\n<div data-hveid=\"CAEQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3><\/h3>\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">What is not covered under long-term care insurance?<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div id=\"_3iHFZaShNPKYwt0PmOqyQA_5\" class=\"bCOlv\" data-ved=\"2ahUKEwikiMuAtJyEAxVyjLAFHRi1DAgQ7NUEegQIARAE\">\n<div class=\"IZE3Td\">\n<div class=\"r2fjmd t0bRye\" data-hveid=\"CAEQBQ\" data-ved=\"2ahUKEwikiMuAtJyEAxVyjLAFHRi1DAgQu04oAHoECAEQBQ\">\n<div id=\"3iHFZaShNPKYwt0PmOqyQA__6\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<ul>\n<li class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Intentionally self-inflicted injuries<\/span><\/span><\/li>\n<li class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Alcoholism and drug addiction<\/span><\/span><\/li>\n<li class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Care in government nursing facilities unless a charge is made in which you are obligated to pay<\/span><\/span><\/li>\n<li class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Coverage while the insured is outside the United States and its possessions<\/span><\/span><\/li>\n<\/ul>\n<\/div>\n<h3 role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/h3>\n<h3 role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">What are the three types of long-term care insurance?<\/h3>\n<ol>\n<li role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">Traditional long-term care insurance<\/li>\n<li role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">Hybrid long-term care insurance<\/li>\n<li role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">Life insurance with a long-term care rider<\/li>\n<\/ol>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">Each type of coverage presents different pros and cons worth considering.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">Consulting with a LTC agent will be worthwhile for such an important investment.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">\n<div data-hveid=\"CCUQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<div class=\"aj35ze\"><\/div>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQuk56BAglEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">If you have a qualifying need, it pays benefits. <\/span><\/div>\n<div data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQuk56BAglEAI\"><\/div>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQuk56BAglEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">Traditional LTC policies are available for folks <\/span><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">between ages 18 and 79<\/span><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">. <\/span><\/div>\n<div data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQuk56BAglEAI\"><\/div>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQuk56BAglEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">Linked-Benefit is typically a combination of life insurance with a long-term care rider.<\/span><\/div>\n<div data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQuk56BAglEAI\"><\/div>\n<\/div>\n<\/div>\n<div id=\"_LiLFZePAJPiwqtsPzsC4oAI_62\" class=\"bCOlv\" data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQ7NUEegQIJRAE\">\n<div class=\"IZE3Td\">\n<div class=\"t0bRye r2fjmd\" data-hveid=\"CCUQBQ\" data-ved=\"2ahUKEwjjj86mtJyEAxV4mGoFHU4gDiQQu04oAHoECCUQBQ\">\n<div id=\"LiLFZePAJPiwqtsPzsC4oAI__38\">\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CCgQAA\">LTC insurance companies generally recognize six standard ADLs as <strong>bathing<\/strong>, <strong>dressing<\/strong>, <strong>toileting<\/strong>, <strong>transferring<\/strong> (getting in and out of bed or chair), <strong>eating<\/strong>, and <strong>continence <\/strong>for their polices to be effective.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CCgQAA\"><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CCgQAA\">These types of ADLs are the most common factors used by insurance companies to determine eligibility for long-term care insurance benefits.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CCgQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CCgQAA\">\n<div data-hveid=\"CAcQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3529\" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC.jpg\" alt=\"long-term care for seniors\" width=\"464\" height=\"212\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-300x137.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-1024x467.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-768x351.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC-600x274.jpg 600w\" sizes=\"auto, (max-width: 464px) 100vw, 464px\" \/><\/h3>\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">How old is the typical purchaser of long-term care insurance?<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div id=\"_miLFZcqQJPjsptQPx4y9mA8_7\" class=\"bCOlv\" data-ved=\"2ahUKEwjKxY3atJyEAxV4tokEHUdGD_MQ7NUEegQIBxAE\">\n<div class=\"IZE3Td\">\n<div class=\"r2fjmd t0bRye\" data-hveid=\"CAcQBQ\" data-ved=\"2ahUKEwjKxY3atJyEAxV4tokEHUdGD_MQu04oAHoECAcQBQ\">\n<div id=\"miLFZcqQJPjsptQPx4y9mA8__3\">\n<div class=\"wDYxhc NFQFxe viOShc LKPcQc\" data-md=\"25\">\n<div class=\"HwtpBd gsrt PZPZlf kTOYnf\" role=\"heading\" data-hveid=\"CAYQAA\" data-ved=\"2ahUKEwjKxY3atJyEAxV4tokEHUdGD_MQtwcoAHoECAYQAA\">\n<div class=\"Z0LcW AZCkJd d2J77b t2b5Cf\" data-tts=\"answers\" data-tts-text=\"between ages 50 and 69\">\n<div><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">Most buyers are between ages 50 and 69. <\/span><\/div>\n<div><\/div>\n<div><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">After 69 it becomes harder to health qualify for new coverage.<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"miLFZcqQJPjsptQPx4y9mA8__4\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">In 2021, the cost of long-term care was between $35,000 and $108,000.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">One study found that nursing home care was the most expensive form of long-term care, costing an average of $108,405 annually<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">LTC insurance is recommended for individuals and families under the age of 65 with\u00a0$1.5 million to $3 million\u00a0in investable assets.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">The reason for the limitation on net worth and age is because of the cost of coverage, compared to what you receive.<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAgQAA\">\n<div data-hveid=\"CAMQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">What are qualified long-term care expenses?<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<div id=\"_7yLFZYjrMvWbptQPxcqM0AU_6\" class=\"bCOlv\" data-ved=\"2ahUKEwjInuCCtZyEAxX1jYkEHUUlA1oQ7NUEegQIAxAE\">\n<div class=\"IZE3Td\">\n<div class=\"r2fjmd t0bRye\" data-hveid=\"CAMQBQ\" data-ved=\"2ahUKEwjInuCCtZyEAxX1jYkEHUUlA1oQu04oAHoECAMQBQ\">\n<div id=\"7yLFZYjrMvWbptQPxcqM0AU__9\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<div class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAkQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">Medically necessary long-term care expenses include diagnostic, preventative, therapeutic, curing, treating, mitigating and rehabilitative services.<\/span><\/span><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAkQAA\"><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAkQAA\"><!--more--><\/div>\n<p>&nbsp;<\/p>\n<div class=\"LGOjhe\" role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAkQAA\"><span class=\"ILfuVd\" lang=\"en\"><span class=\"hgKElc\">To highlight, the <a href=\"https:\/\/aspe.hhs.gov\/reports\/health-insurance-portability-accountability-act-1996\">HIPAA Act<\/a> also resolved that qualified long-term care expenses include\u00a0maintenance and personal care services.<\/span><\/span><\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAkQAA\"><\/div>\n<\/div>\n<div role=\"heading\" data-attrid=\"wa:\/description\" data-hveid=\"CAkQAA\">\n<div data-hveid=\"CAMQAQ\">\n<div class=\"dnXCYb\" role=\"button\">\n<h3 class=\"JlqpRe\"><span class=\"JCzEY ZwRhJd\"><span class=\"CSkcDe\">Who would most likely benefit from long-term care insurance?<\/span><\/span><\/h3>\n<div class=\"L3Ezfd\" data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\"><span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">Long-term care insurance is coverage that provides home care, nursing-home care, home-health care, and personal or adult daycare for <\/span>individuals age 65 or older or with a chronic or disabling condition that needs constant supervision<span style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif\">.<\/span><\/div>\n<div data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\"><\/div>\n<\/div>\n<div data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3512 aligncenter\" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/Vietnamese-copy.jpg\" alt=\"\" width=\"193\" height=\"203\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/Vietnamese-copy.jpg 499w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/Vietnamese-copy-285x300.jpg 285w\" sizes=\"auto, (max-width: 193px) 100vw, 193px\" \/><\/div>\n<div data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\"><a href=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/contact-us\/\">Call us today<\/a> and we&#8217;ll be happy to guide you through the home care process, what compassionate caregiving looks like, share more information about LTC insurance, and<\/div>\n<div data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\">\u00a0anything else we can assist to make your situation lighter and smoother!<\/div>\n<div data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\"><\/div>\n<\/div>\n<div data-ved=\"2ahUKEwi35_Dps5yEAxUMRTABHZa5D8MQuk56BAgDEAI\">\n<p><a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSd7Mudl9qQgdPqR4tZw5-ixGYBFDAlnop6PdSbkXkOqzq6pGw\/viewform?usp=sf_link\">Refer a friend<\/a> who needs a home care provider.<\/p>\n<p>While we are located in Placentia, CA in Orange County, in between Fullerton and Yorba Linda, we serve our broader surrounding cities and counties, so don&#8217;t hesitate to call us!<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities of daily living (ADLs) independently. Most conditions impacting people with long-term care needs are chronic such as: high blood pressure Alzheimer&#8217;s disease and dementia depression arthritis diabetes heart disease But chronic disease is not exclusively reserved for&hellip; <a class=\"continue\" href=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/\">Continue Reading<span> How Does Long-Term Care Insurance Work?<\/span><\/a><\/p>\n","protected":false},"author":185,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,51,31,135,29,128,28,89,126,30],"tags":[156,200,9,53,136,63,133,8,48,42,90,11,127,196,130,41,38,198,164,106,74],"class_list":["post-3522","post","type-post","status-publish","format-standard","hentry","category-alzheimers-dementia","category-caregiver","category-elder-care","category-fall-prevention","category-healthy-aging-senior-care","category-home-care-aide","category-in-home-care","category-kidney-care","category-long-term-care-insurance","category-senior-care","tag-alzheimers-dementia","tag-cancer-care","tag-caregiver","tag-elder-care","tag-fall-prevention","tag-healthy-aging","tag-heart-disease-prevention","tag-home-care","tag-home-care-aide","tag-in-home-care","tag-kidney-care","tag-long-term-care","tag-long-term-care-insurance","tag-music-therapy","tag-parkinsons","tag-safety","tag-senior-care","tag-senior-living-facility","tag-socialization","tag-stroke-care","tag-veteran-care"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Does Long-Term Care Insurance Work? - Assisting Hands Yorba Linda<\/title>\n<meta name=\"description\" content=\"Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does Long-Term Care Insurance Work? - Assisting Hands Yorba Linda\" \/>\n<meta property=\"og:description\" content=\"Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities\" \/>\n<meta property=\"og:url\" content=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/\" \/>\n<meta property=\"og:site_name\" content=\"Assisting Hands Yorba Linda\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/assistinghandsyl\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-08T23:08:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-06T21:09:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg\" \/>\n<meta name=\"author\" content=\"skoh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"skoh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/\"},\"author\":{\"name\":\"skoh\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#\\\/schema\\\/person\\\/a8becebcb4113ee03b76f01f4aa91333\"},\"headline\":\"How Does Long-Term Care Insurance Work?\",\"datePublished\":\"2024-02-08T23:08:43+00:00\",\"dateModified\":\"2024-03-06T21:09:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/\"},\"wordCount\":834,\"publisher\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/wp-content\\\/uploads\\\/sites\\\/142\\\/2024\\\/02\\\/LTC2.jpg\",\"keywords\":[\"Alzheimer's &amp; Dementia\",\"cancer care\",\"caregiver\",\"elder care\",\"fall prevention\",\"healthy aging\",\"heart disease prevention\",\"home care\",\"home care aide\",\"in home care\",\"kidney care\",\"long term care\",\"long term care insurance\",\"Music Therapy\",\"parkinsons\",\"safety\",\"senior care\",\"senior living facility\",\"socialization\",\"stroke care\",\"veteran care\"],\"articleSection\":[\"Alzheimer's &amp; Dementia\",\"Caregiver\",\"Elder Care\",\"Fall Prevention\",\"Healthy Aging\",\"Home Care Aide\",\"In Home Care\",\"kidney care\",\"Long Term Care Insurance\",\"Senior Care\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/\",\"url\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/\",\"name\":\"How Does Long-Term Care Insurance Work? - Assisting Hands Yorba Linda\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/wp-content\\\/uploads\\\/sites\\\/142\\\/2024\\\/02\\\/LTC2.jpg\",\"datePublished\":\"2024-02-08T23:08:43+00:00\",\"dateModified\":\"2024-03-06T21:09:09+00:00\",\"description\":\"Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#primaryimage\",\"url\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/wp-content\\\/uploads\\\/sites\\\/142\\\/2024\\\/02\\\/LTC2.jpg\",\"contentUrl\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/wp-content\\\/uploads\\\/sites\\\/142\\\/2024\\\/02\\\/LTC2.jpg\",\"width\":1080,\"height\":650},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/how-does-long-term-care-insurance-work\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Does Long-Term Care Insurance Work?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#website\",\"url\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/\",\"name\":\"Assisting Hands Yorba Linda\",\"description\":\"Quality Home Care You Can Trust\",\"publisher\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#organization\",\"name\":\"Assisting Hands Yorba Linda\",\"url\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/wp-content\\\/uploads\\\/sites\\\/142\\\/2016\\\/10\\\/logo.png\",\"contentUrl\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/wp-content\\\/uploads\\\/sites\\\/142\\\/2016\\\/10\\\/logo.png\",\"width\":154,\"height\":99,\"caption\":\"Assisting Hands Yorba Linda\"},\"image\":{\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/assistinghandsyl\",\"https:\\\/\\\/www.instagram.com\\\/assistinghandsyl\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/#\\\/schema\\\/person\\\/a8becebcb4113ee03b76f01f4aa91333\",\"name\":\"skoh\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/aae0f048b545ca135441e2ed27f6a6dd0556cd0079f7214e3d9298ecde76abb2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/aae0f048b545ca135441e2ed27f6a6dd0556cd0079f7214e3d9298ecde76abb2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/aae0f048b545ca135441e2ed27f6a6dd0556cd0079f7214e3d9298ecde76abb2?s=96&d=mm&r=g\",\"caption\":\"skoh\"},\"url\":\"https:\\\/\\\/assistinghands.com\\\/99\\\/california\\\/yorbalinda\\\/blog\\\/author\\\/skoh\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Does Long-Term Care Insurance Work? - Assisting Hands Yorba Linda","description":"Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/","og_locale":"en_US","og_type":"article","og_title":"How Does Long-Term Care Insurance Work? - Assisting Hands Yorba Linda","og_description":"Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities","og_url":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/","og_site_name":"Assisting Hands Yorba Linda","article_publisher":"https:\/\/www.facebook.com\/assistinghandsyl","article_published_time":"2024-02-08T23:08:43+00:00","article_modified_time":"2024-03-06T21:09:09+00:00","og_image":[{"url":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg","type":"","width":"","height":""}],"author":"skoh","twitter_card":"summary_large_image","twitter_misc":{"Written by":"skoh","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#article","isPartOf":{"@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/"},"author":{"name":"skoh","@id":"https:\/\/assistinghands.com\/99\/#\/schema\/person\/a8becebcb4113ee03b76f01f4aa91333"},"headline":"How Does Long-Term Care Insurance Work?","datePublished":"2024-02-08T23:08:43+00:00","dateModified":"2024-03-06T21:09:09+00:00","mainEntityOfPage":{"@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/"},"wordCount":834,"publisher":{"@id":"https:\/\/assistinghands.com\/99\/#organization"},"image":{"@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#primaryimage"},"thumbnailUrl":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg","keywords":["Alzheimer's &amp; Dementia","cancer care","caregiver","elder care","fall prevention","healthy aging","heart disease prevention","home care","home care aide","in home care","kidney care","long term care","long term care insurance","Music Therapy","parkinsons","safety","senior care","senior living facility","socialization","stroke care","veteran care"],"articleSection":["Alzheimer's &amp; Dementia","Caregiver","Elder Care","Fall Prevention","Healthy Aging","Home Care Aide","In Home Care","kidney care","Long Term Care Insurance","Senior Care"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/","url":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/","name":"How Does Long-Term Care Insurance Work? - Assisting Hands Yorba Linda","isPartOf":{"@id":"https:\/\/assistinghands.com\/99\/#website"},"primaryImageOfPage":{"@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#primaryimage"},"image":{"@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#primaryimage"},"thumbnailUrl":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg","datePublished":"2024-02-08T23:08:43+00:00","dateModified":"2024-03-06T21:09:09+00:00","description":"Long-term care (LTC) insurance is the assistance or supervision someone may need when they are unable to do some of the basic activities","breadcrumb":{"@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#primaryimage","url":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg","contentUrl":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/02\/LTC2.jpg","width":1080,"height":650},{"@type":"BreadcrumbList","@id":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-does-long-term-care-insurance-work\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/assistinghands.com\/99\/"},{"@type":"ListItem","position":2,"name":"How Does Long-Term Care Insurance Work?"}]},{"@type":"WebSite","@id":"https:\/\/assistinghands.com\/99\/#website","url":"https:\/\/assistinghands.com\/99\/","name":"Assisting Hands Yorba Linda","description":"Quality Home Care You Can Trust","publisher":{"@id":"https:\/\/assistinghands.com\/99\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/assistinghands.com\/99\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/assistinghands.com\/99\/#organization","name":"Assisting Hands Yorba Linda","url":"https:\/\/assistinghands.com\/99\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/assistinghands.com\/99\/#\/schema\/logo\/image\/","url":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2016\/10\/logo.png","contentUrl":"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2016\/10\/logo.png","width":154,"height":99,"caption":"Assisting Hands Yorba Linda"},"image":{"@id":"https:\/\/assistinghands.com\/99\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/assistinghandsyl","https:\/\/www.instagram.com\/assistinghandsyl"]},{"@type":"Person","@id":"https:\/\/assistinghands.com\/99\/#\/schema\/person\/a8becebcb4113ee03b76f01f4aa91333","name":"skoh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/aae0f048b545ca135441e2ed27f6a6dd0556cd0079f7214e3d9298ecde76abb2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aae0f048b545ca135441e2ed27f6a6dd0556cd0079f7214e3d9298ecde76abb2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/aae0f048b545ca135441e2ed27f6a6dd0556cd0079f7214e3d9298ecde76abb2?s=96&d=mm&r=g","caption":"skoh"},"url":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/author\/skoh\/"}]}},"_links":{"self":[{"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/posts\/3522","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/users\/185"}],"replies":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/comments?post=3522"}],"version-history":[{"count":10,"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/posts\/3522\/revisions"}],"predecessor-version":[{"id":3640,"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/posts\/3522\/revisions\/3640"}],"wp:attachment":[{"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/media?parent=3522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/categories?post=3522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assistinghands.com\/99\/wp-json\/wp\/v2\/tags?post=3522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}