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Long Term Care Coverage
Long term care coverage is designed to cover services you need when you are unable to perform certain Activities of Daily Living or need care due to a severe cognitive impairment. The long term care insurance provided under the Federal Program is designed to provide reimbursement for costs of necessary diagnostic, preventive, therapeutic, curative, rehabilitative, maintenance, or personal care services, provided in a setting such as an assisted living facility, a nursing home, an adult day care center, or your home, but not in an acute care unit of a hospital.
The Federal Program provides reimbursement, based on the Daily Benefit Amount you select, for actual charges you incur for covered long term care expenses, subject to the limitations, exclusions, and Waiting Period described in this outline.
Medical insurance and Medicare are entirely different than long term care insurance. They are primarily designed to cover acute care, and not long term care services. If you are eligible for Medicare you need to know that the long term care coverage under the Federal Long Term Care Insurance Program is not Medicare Supplement Coverage. If you want to learn about Medicare Supplement Coverage, ask us for the “Guide To Health Insurance For People With Medicare.”
| Call: 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557) |
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