California Partnership for Long Term Care

Brochures

Fire, auto and health insurance are some of the options you may consider to protect against unforeseen and costly emergencies and disasters. But have you thought about one of the largest and most common issues facing Californians — the need to protect yourself and your family from the consequences of a chronic health condition that demands expensive long-term careCare given to someone who can no longer perform activities of daily living.?...

We never want to think about the possibility that we’ll one day need help with getting dressed, eating or bathing. But when daily activities become too difficult and you or a loved one need long-term careCare given to someone who can no longer perform activities of daily living., do you know who will pay for this care?

Only a Partnership-certified policy comes with inflation and Medi-Cal asset protection, so you will not be forced to spend everything you have worked so hard for on long-term care. Choosing a Partnership policy can truly provide the independence you want when you need it most.

The Consumer’s Guide to Long-Term CareCare given to someone who can no longer perform activities of daily living. was developed for people concerned about how to plan, provide, and pay for long-term care for themselves, a spouse, parent, or loved one. It contains information to help you make decisions now and in the years to come that will allow you to retain more control of your life if you need long-term care. We suggest that you share the guide with your family and friends, using the information to begin discussing your long-term care needs and financial options before a crisis arises.

Your decision to invest in long-term care insuranceSpecific type of insurance policy designed to offer financial support to pay for necessary long-term care services. is an important one and we appreciate that this can also be a very complex topic. For that reason, this booklet offers a comprehensive overview of the California Partnership for Long-Term Care’s program and answers commonly asked questions regarding long-term care insurance.

Seguros contra incendios, de automóvil y de salud son algunas de las opciones que probablemente considere para protegerse de emergencias y desastres imprevistos y costosos. Pero, ¿ha pensado en uno de los mayores problemas que enfrentan los californianos  más comúnmente? ¿Ha pensado en la necesidad de protegerse usted y su familia de las consecuencias de una condición...

The California Partnership for Long-Term CareCare given to someone who can no longer perform activities of daily living. (LTC) is an alliance between the State of California’s Medi-Cal Program, private long-term care insuranceSpecific type of insurance policy designed to offer financial support to pay for necessary long-term care services. companies, and you–Californians interested in planning for your own, or a loved one’s, potential long-term care needs...

Protecting your benefits against inflation is one of the most important features you can have in a long-term careCare given to someone who can no longer perform activities of daily living. policy. You may hesitate to purchase inflation protectionProtects the policyholder from covering the difference between what the insurance policy will pay, which is based on the costs of services when you purchased the policy, and the actual cost of care when you need it. Every Partnership policy is required to have this protection, and the state highly recommends that you protect yourself by only purchasing a policy with inflation protection. since it adds significantly to a policy’s cost. Yet without it, years from now you may find yourself needing long-term care, and owning a policy the benefits of which have not kept pace with the increasing cost of services...