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Long-term care

Long-term care refers to a wide range of medical, personal and social services you may need if you have a prolonged illness or disability. The care may include help with daily activities of living, such as dressing, bathing, eating, or using the bathroom. The care may be provided at home, in a nursing home, adult daycare center or group-living facility.

Medicare does NOT cover these ongoing non-medical services.  Medicaid does, but it’s becoming harder for middle-income people to qualify. Most people needing long-term care pay cash or buy long-term care insurance.

How do I know if I need need long-term care insurance?

• Use this workbook to help you decide. (PDF 1.4MB)

Where can I buy long-term care insurance?

• Review this list of companies approved to sell products in Washington state. The list includes contact information for each. (PDF)
  

How do I find a long-term care provider?

• Here are some steps for finding a long-term care provider (www.adsa.dshs.wa.gov)

Can I qualify for Medicaid?

• What you need to know about qualifying for Medicaid, (www.adsa.dshs.wa.gov) including estate recovery of Medicaid costs you incur.

What happens if you insurer becomes financially troubled?

• How you're protected and what our office can do

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