Some seniors and disabled people need extra help with their care. In some cases, they might just need a little bit of help with daily care activities, usually called activities of daily living (ADLs). In other cases, they may need medical monitoring, supervision, or therapy.

senior-nurse-smileAt Trusted Senior Specialists, we want to help you make the most of your Medicare benefits with the Medicare health insurance plan that best fits your own unique needs and budget. Please contact us at 1-855-474-6234 or at

How much does Long-Term Care cost?
In order to plan for the cost of long-term care, it really helps to have some idea how much long term care costs. That seems like a simple idea, but it is not easy to predict how much home health care aids, residential assisted living or nursing homes, or adult day care will cost in the future. Prices are likely to rise. Besides that, the cost will depend upon the amount and type of care that an individual needs. has published average US long term care costs across the US for 2010. When you reference these average costs, remember that prices have continued to rise and average costs vary by region. These are some examples from the the site:

  • A semi-private room in a nursing home averaged over $6,000 a month.
  • A room in an assisted living facility averaged over $3,000 a month.
  • Home health care aids (non-medical) averaged about $21 an hour.
  • Adult day care averaged about $67 a day.

How do people pay for Long-Term Care?
Long-term care insurance: Sometimes long-term care insurance is called LTCi, and it is a type of health insurance that helps cover costs associated with long-term care. Rates may depend upon an applicant’s age, current health and location. Unlike most senior health insurance plans, these policies are not standard, so they may be confusing. If the covered person never needs to use their benefits, they have spent money for a product that they cannot profit from.

Medicare: Medicare usually only pays for medically necessary long-term care services. While a senior’s Medicare might pay for medical services in a nursing home, it won’t pay for long-term room and board. Medicare may pay for short-term care, but this is usually for diseases or accidents that the beneficiary is expected to recover from.

Medicaid: Medicaid pays for a lot of long-term care in this country. Rules vary by state, but it can be very tough to qualify for Medicaid, and it might mean spending most of your savings before you will get accepted.

Life insurance and annuities: Some life insurance and annuity plans have living benefits that can be used by covered people to help pay for long-term care. If these benefits never need to get used, the insured person still has valuable life insurance or retirement savings. If they do use them, the value of their policy or annuity could be reduced, but at least it provided help paying for long term care costs when needed.

Veterans benefits: Some veterans may qualify for a monthly payment if they become disabled and need long-term care services. It is doubtful if these payments will provide enough money to pay the entire bill at a residential care facility.

We help people plan for long-term care costs
At Trusted Senior Specialists, we want to help you plan for your secure retirement. We can discuss long-term care insurance, retirement annuities, and life insurance with living benefits. Please contact us at 1-855-474-6234 or at