Won't the government pay for Long-Term Care services?

The Federal government will not pay for LTC services directly unless certain criteria are met under two different federal health programs: Medicare and Medicaid.

  • Medicare will pay for limited LTC services, but only under strict circumstances.

  • Medicaid will pay for full long-term care, but individuals will essentially be required to redeem their assets and spend down most of their cash prior to becoming eligible for Medicaid.


Please visit http://www.state.nj.us/dobi/ins_ombudsman/ltcguide.htm and beaconfinancialgroup.net and contact us to assist in learning and planning for LTC needs.