Myth: “I don’t need separate LTC protection because I have health insurance.”
Fact: LTC protection is not the same as health insurance, which is designed simply to cover the costs to cure individuals and return them to good health.
Health insurance is intended to help pay for medical care only, not LTC services, which can include bathing, eating, getting dressed and moving around. LTC services generally are required by those who are dealing with chronic illnesses, accidents or advanced aging and are progressive, with the level of needed care growing over time.
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David Wingate is an estate planning and elder law attorney at Estate and Elder Planning by David Wingate. The Estate and Elder Planning office services clients with powers of attorneys, living wills, Wills, Trusts, Medicaid and asset protection. The Elder Law office has locations in Frederick, Washington and Montgomery Counties, Maryland.
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