- Listed: December 12, 2018 10:12 pm
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The California Partnership for Long-Term Care (Partnership) is dedicated to educating Californians on the need to plan ahead for their future long-term care and to consider private insurance as a vehicle to fund that care. The California Partnership for Long-Term Care is an innovative program of the State of California, Department of Health Care Services in cooperation with a select number of private insurance companies. These companies have agreed to offer high quality policies that must meet stringent requirements set by the Partnership and the State of California. These special policies are commonly called “Partnership policies”. Partnership policies take the guesswork out of ensuring you purchased a quality policy. In addition to many other consumer protection features, Partnership policies offer the special benefit of Medi-Cal Asset Protection.
The Partnership has launched www.RUReadyCA.org an independent, easy-to-use website that offers a host of tools, information and calculators to help each Californian plan for their individually unique long-term care needs.
What is Long-Term Care?
Long-term care is different from the rest of your health care, and it’s not typically covered under health insurance policies, HMO plans, Medicare or Medicare supplemental policies. Some may also cover nursing home care or home care but typically only on a short term or limited basis.
Long-term care includes personal care assistance, such as help with bathing, eating or dressing, that you require over a lengthy period. That’s why it can be very expensive. Long-term care can range from simple assistance with activities in your own home or a residential care facility, or it can mean highly skilled care in a nursing facility. The possibility of needing long-term care due to an illness or physical disability is something most people would rather not think about. But as we get older and because we are living longer, the likelihood that we will need some kind of assistance is very real. Long-term care coverage will help you live your life with dignity and independence.
Here’s a checklist of the activities of daily living covered in long-term care:
- Transferring (from bed to chair)
Fire, auto and health insurance are some of the options you may consider to protect against unforeseen and costly emergencies and disasters. But have you thought about one of the largest and most common issues facing Californians — the need to protect yourself and your family from the consequences of a chronic health condition that demands expensive long-term care?…
We never want to think about the possibility that we’ll one day need help with getting dressed, eating or bathing. But when daily activities become too difficult and you or a loved one need long-term care, do you know who will pay for this care?
Only a Partnership-certified policy comes with inflation and Medi-Cal asset protection, so you will not be forced to spend everything you have worked so hard for on long-term care. Choosing a Partnership policy can truly provide the independence you want when you need it most.
The Consumer’s Guide to Long-Term Care was developed for people concerned about how to plan, provide, and pay for long-term care for themselves, a spouse, parent, or loved one. It contains information to help you make decisions now and in the years to come that will allow you to retain more control of your life if you need long-term care. We suggest that you share the guide with your family and friends, using the information to begin discussing your long-term care needs and financial options before a crisis arises.
Your decision to invest in long-term care insurance is an important one and we appreciate that this can also be a very complex topic. For that reason, this booklet offers a comprehensive overview of the California Partnership for Long-Term Care’s program and answers commonly asked questions regarding long-term care insurance.
Seguros contra incendios, de automóvil y de salud son algunas de las opciones que probablemente considere para protegerse de emergencias y desastres imprevistos y costosos. Pero, ¿ha pensado en uno de los mayores problemas que enfrentan los californianos más comúnmente? ¿Ha pensado en la necesidad de protegerse usted y su familia de las consecuencias de una condición…
The California Partnership for Long-Term Care (LTC) is an alliance between the State of California’s Medi-Cal Program, private long-term care insurance companies, and you–Californians interested in planning for your own, or a loved one’s, potential long-term care needs…
Protecting your benefits against inflation is one of the most important features you can have in a long-term care policy. You may hesitate to purchase inflation protection since it adds significantly to a policy’s cost. Yet without it, years from now you may find yourself needing long-term care, and owning a policy the benefits of which have not kept pace with the increasing cost of services…
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