Office for the Aging

Long Term Care Insurance

What is Long Term Care?

In order to better understand Long-term Care Insurance, it is helpful to learn what long-term care is. Long-term care is a variety of services that help people with health or personal activities of daily living over a period of time. The fact is, 60 percent of people over the age of 65 will need some type of long-term care. Long-term care does not mean a complete loss of independence or control over your life. The key to effective decision-making is planning early and wisely, knowing your options, and taking action. It is about living well.

Long-Term Care Insurance

Long-term Care Insurance covers long-term care services provided in a nursing home, at home, or in community-based settings, which Medicare, Medicare supplemental insurance (Medigap), and traditional health and disability insurance plans typically do not cover.

For more information on long-term care insurance please click here to see a presentation. You will also find other articles of interest in the Long Term Care section in the Document Library.

The following web sites provide details of the New York State Partnership for Long-Term Care Insurance:

Center for Medicare Education: Understanding Long-Term Care Insurance

NYS Senior Citizens' Resource Guide to Programs and Services

Clearing House for Long Term Care Information

Interactive New York Consumer Guide to HMO's

New York Partnership for Long-Term Care

New York State Long-Term Care Insurance

Insurance Companies offering policies on the New York State Partnership for Long-Term Care (NYSPLTC) - which is a state-sponsored policy for long-term care insurance

A Shoppers Guide to Long-Term Care Insurance

Consumer's Guide Booklet

Medicaid Reference Guide

New York State Office for the Aging

New York State Department of Insurance


Social Security Administration

To find out an insurance company's rating the following sites are useful:

A.M. Best Insurance Review
(908)439-2200 ext 5742

Fitch Ratings

Moody's Investor's Service

Standard & Poor's
(212)438-2400 formally Weiss Group, Inc.

For more information please contact:

Genesee County Offices for the Aging at (585) 343-1611
Long-Term Care Insurance Education and Outreach Program (LTCIEOP)
Health Insurance Information Counseling Assistance Program (HIICAP)