Editing Long-Term Care Insurance (section)

== Frequently Asked Questions ==

'''Is LTC the same as health insurance?'''  
No. Health insurance covers medical treatment; LTC covers daily personal care and assistance.

'''When should I buy LTC insurance?'''  
The best time is between ages 50–65 when premiums are more affordable and you're more likely to qualify.

'''Does Medicare pay for long-term care?'''  
Medicare only covers short-term skilled nursing—not custodial care or assistance with daily activities.

'''What happens if I never use it?'''  
With hybrid policies, your family may receive a death benefit if you never need care.