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The national health insurance program for people over age 65 only pays for skilled, short-term care limited to 100 days. It does not cover custodial care.
A joint federal and state government program to help people with low income and assets. It primarily provides for institutional care in Skilled Nursing Homes after assets have been exhausted.
Spend Personal Assets?
Long-term care insurance is designed to pay for long term services and support, including personal and custodial care in a variety of settings such as your home, assisted living facility, adult day care facility or skilled nursing facility.