| As people begin to live longer, long-term
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| | that in the United States, Medicaid
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| care insurance becomes more important.
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| | generally does not cover care provided in
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| Care insurance helps provide for the cost
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| | a home setting, and, in most cases,
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| of long-term care which can be incredibly
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| | Medicaid will not cover or pay for
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| expensive. It is used to cover those
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| | assisted living. Because there is this
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| issues that are generally not covered by
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| | void in coverage, having long care
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| health insurance, Medicare, or Medicaid.
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| | insurance can play a huge part in what
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| There is often some confusion about what
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| | the individual can have in terms of care
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| this type of insurance is used for and
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| | related services.
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| the people who use it. Consumers should
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| | With this protection, care insurance can
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| understand that individuals who require
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| | pay for home care, often from the first
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| long care are generally not sick in the
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| | day it is needed. It can help pay for a
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| way we usually think of that word. Many
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| | live-in caregiver, companion,
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| of these individuals are healthy but they
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| | housekeeper, therapist or private duty
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| cannot perform the basic activities of
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| | nurse up to 7 days a week, 24 hours a
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| daily living such as preparing food,
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| | day. Assisted living is paid for by long
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| eating, dressing themselves, bathing, and
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| | care insurance. The same is true for
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| the like. They may need assistance with
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| | adult daycare, respite care, hospice
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| their medications, as some will often
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| | care, and more.
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| forget to take them.
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| | Very important to some consumers is that
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| Another issue that may confuse some
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| | this type of care insurance can also
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| people is that this type of care does not
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| | assist with the payments for caring for a
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| have to be long term. An individual may
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| | person with Alzheimer's disease or other
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| need care for only a few months to
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| | forms of dementia.
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| recover from surgery or illness, or they
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| | One of the very best reasons for
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| may need care for years.
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| | purchasing care insurance is that it
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| It is generally assumed that as a person
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| | helps to protect the savings of the
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| becomes older there will be some need for
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| | person or persons who will be responsible
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| care. In America, Medicare will not cover
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| | for paying the bills. Long-term care
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| the expenses of long-term care, but
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| | without insurance can wipe out a lifetime
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| Medicaid will for those who can not
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| | of savings in no time at all. It can also
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| afford to pay.
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| | force individuals to liquidate many, if
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| Another issue that is confusing is that
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| | not all, of their assets including homes.
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| long-term care is not restricted to the
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| | Modern technology is allowing us to live
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| elderly. Age is not always a factor with
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| | longer but we all need to be prepared for
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| long-term care. Younger people who are
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| | the days when we can no longer make it
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| not able to care for themselves have
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| | through the day without some help. Care
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| these needs as well.
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| | insurance can be a very useful and
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| When thinking of buying this type of
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| | effective way to solve that problem.
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| insurance it is important to remember
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