Long Term Care Frequently Asked Questions

Protect your financial future and health care needs. We have nursing facility, residential care, and home and community care plans from the California Partnership and many other good options such as Genworth, John Hancock, Prudential and others.

Q- Long Term Care.Q- When is the best time to consider Long Term Care coverage?

A- Most clients should consider looking at Long Term Care in their mid 50’s to early 60’s. Remember, Social Security and Medicare do not cover long term care benefits. If you have a special family history you might consider applying earlier. There is an underwriting process and good health will buy the best premiums.

Q- Can I receive both home health care and nursing facility care?

A- In California, all long term plans must offer some home health care in addition to nursing facility coverage. Some plans offer more coverage than others and clients should certainly do a comparison.

Q- Should I consider buying one of the California Partnership plans?

A- The California Partnership of Long Term Care is a select group of Insurance carriers who offer special consumer protection features and
the Medi-Cal Asset Protection benefit. This “lifetime asset protection”asures that catastrophic long term care expenses wont’ reduce you to Poverty even if you run out of insurance benefits.