TAILIEUCHUNG - A Shopper’s Guide To Long-Term Care Insurance - NAIC

Some policies may pay for care in any state-licensed facility. Others only pay for care in some state-licensed facilities, such as a licensed nursing facility. Still others list the types of facilities where services will not be covered, which may include state-licensed facilities. (For example, some places that care for elderly people are referred to as homes for the aged, rest homes or personal care homes, and are often not covered by long- term care policies). Some policies may list specific points about the kinds of facilities they will cover. Some will say the facilities must care for a certain number of patients or give a certain kind. | A Shopper s Guide To Long-Term Care Insurance About the NAIC . The National Association of Insurance Commissioners NAIC is the oldest association of state government officials. Its members consist of the chief insurance regulators in all 50 states the District of Columbia and five . territories. The primary responsibility of the state regulators is to protect the interests of insurance consumers and the NAIC helps regulators fulfill that obligation in a number of different ways. This guide is one example of work done by the NAIC to assist states in educating and protecting consumers. Another way the NAIC lends support to state regulators is by providing a forum for the development of uniform public policy when uniformity is appropriate. It does this through a series of model laws regulations and guidelines developed for the states use. States that choose to do so may adopt the models intact or modify them to meet the needs of their marketplace and consumers. As you read through this guide you will find several references to such NAIC model laws or regulations related to long-term care insurance. You may check with your state insurance department to find out if these NAIC models have been enacted in your state. NAIC Executive Office 444 North Capitol Street NW Suite 701 Washington DC 20001 Phone 202-471-3990 NAIC Central Office 2301 McGee Street Suite 800 Kansas City MO 64108-2604 Phone 816-842-3600 Fax 816-783-8175 NAIC Securities Valuation Office 48 Wall Street 6th Floor New York NY 10005-2906 Phone 212-398-9000 Revised 2009 A Shopper s Guide To Long-Term Care Insurance Table of Contents 1 About this Shopper s Guide 2 What is Long-Term Care 2 How Much Does Long-Term Care Cost 3 Nursing Home Costs 3 Assisted Living Facility Costs 3 Home Care Costs 3 Who Pays for Long-Term Care 3 Individual Personal Resources 3 Medicare 4 Medicare Supplement Insurance 5 Medicaid 5 Long-Term Care Insurance 6 Who May Need Long-Term Care 7 Do You Need Long-Term Care .

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