Who Pays for Long-Term Care?
You may be surprised. Consumer surveys reveal common misunderstandings about which public programs pay for long-term care services. It's important to clearly understand what is and isn’t covered.
- Only pays for long-term care if you require skilled services or rehabilitative care:
- In a nursing home for a maximum of 100 days, however, the average Medicare covered stay is much shorter (22 days).
- At home if you're also receiving skilled home health or other skilled in-home services. Generally, long-term care services are provided only for a short period of time.
- Does not pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services.
- You'll have to pay for long-term care services that are not covered by a public or private insurance program.
- Does pay for the largest share of long-term care services, but to qualify, your income must be below a certain level and you must meet minimum state eligibility requirements.
- Such requirements are based on the amount of assistance you need with ADL.
- Other federal programs such as the Older Americans Act and the Department of Veterans Affairs pay for long-term care services, but only for specific populations and in certain circumstances.
*Information on this site's long-term care webpages is from www.longtermcare.acl.gov.