Frequently Asked Questions Videos

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Long-term care insurance is the insurance that one purchases to cover the costs of their long-term care. Long-term care is different from standard medical care in that medical care covers doctors and physicians caring for you on a regular basis. Long-term care is the care necessary to provide for your care and safety when you are no longer able to complete your activities of daily living.

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Medicare is the health insurance program for individuals aged 65 years or older or those who have been determined disabled by the Social Security Administration. You are eligible for Medicare if you or your spouse have worked the requisite number of quarters in your lifetime and you are aged 65 or older or determined disabled.

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Probate is the legal proceeding by which the court re-titles assets held in your name alone at death. This is done in accordance with the directives of your will or if you do not have a will in accordance with the state’s intestacy statutes.

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Respite care is the care necessary to relieve a full-time caregiver from the caregiver burden so that they can get a break, they can do personal business, and they can take care of themselves. Respite care can be provided by a family member or friend in an elder’s home. It can also be provided by an assisted living facility or an adult daycare service.