FICTION: This is a common misconception – long term care is NOT covered by other kinds of insurance, including your HMO, health or long term disability insurance. Health insurance pays to cure us (skilled care) with care provided by someone with a license: physicians, nurses, physical therapists, respiratory therapists, x-ray technicians and pharmacists. Since most long term care is unskilled care or custodial care, health insurance does not cover it. Only long term care insurance you usually purchase on your own covers day-to-day personal care assistance when you are unable to perform everyday activities like bathing and dressing.
There are many misconceptions about long-term care. Learn more at our Family Caregiving Challenge Seminar on December 1st. Register here!