Facing the Reality of Long Term Care

You are and should be worried about the cost of long-term care. You are reading this book because you are concerned, perhaps worried to your wits' end, about getting and paying for quality long-term care for yourself or a loved one. You are looking for reliable, understandable information about options, different levels of care, and how the potentially devastating cost can be paid. This book will deliver. Based on over 40 years' experience, the authors answer your questions and give you the information you need to develop a plan that works for you. It is "agnostic," in that it does not presume a solution for any given situation. It identifies the three ways the cost can be covered – paying out of your own pocket or "self-insuring," purchasing long-term care insurance, or looking to Medi-Cal and other government programs that can pay all or part of the cost of long-term care. Often, it is a combination of two or all three of these approaches. The authors appreciate that these challenges are difficult and emotional. Their goal is to make this complicated world of long-term care – and long-term care financing – manageable for you and your family.