According to Longtermcare.gov “Long-term care (LTC) is a range of services and supports you may need to meet your personal care needs. At some point in our lives, about 60 percent of us will need assistance with things like getting dressed, driving to appointments, or making meals. Planning is critical, but many people are not sure what is covered by insurance, and people are often misinformed about what is covered by Medicare.” Medicare does have a Skilled nursing benefit of 100 days if you have been transferred after a 72-hour hospital stay. Here is the Medicare Skilled Nursing benefit from Medicare.gov it reads as follows: 

“Medicare Part A (Hospital Insurance) covers skilled nursing care in certain conditions for a limited time (on a short-term basis) if all of these conditions are met: 1) You have Part A and have days left in your benefit period to use. 2) You have a qualifying hospital stay” So how do you get coverage for long term care? Welch Insurance offers real answers to question such as what triggers a long-term care policy, what are the costs for long term care click here to learn more. We offer companies that offer traditional long-term care policies and others that have living benefits such as a death benefit.