Long Term Care Insurance

man and his daughter

Long Term Care Insurance in Maryland

Long Term Care insurance: the misunderstood health care.

Long-term care is the assistance needed over an extended period of time to manage rather than cure a chronic condition such as arthritis, a stroke, dementia, the frailties of aging, recovery from surgery or accident. Care could be needed for weeks, months, or years.

Long-term care can include assistance in your own home, in a residential care or assisted living facility, adult day care, or in a skilled nursing facility.

Assistance may be needed when you are not able to do some of the basic “activities of daily living” (ADLs) such as bathing, dressing, toileting, or moving from a bed to a chair.


“Independent living is not doing things by yourself, it is being in control of how things are done.”

You might need assistance with ADLs if you suffer from an accident or injury, recovering from surgery, a prolonged illness, or advanced age.

Some people may need long term care because of mental deterioration, called “cognitive impairment” that can be caused by a brain disorder such as dementia, Alzheimer’s, or mental illness. They may appear to be “healthy” but are unable to take care of themselves. Alzheimer’s Early Warning Signs

Long-term care is not necessarily “long term.”
Normally a medical professional will determine that you are incapable of performing Activities of Daily Living and need help to do so. It can be a temporary or a permanent need.

There are six standard physical Activities of Daily Living (ADLs) that are recognized by doctors, government agencies, health and insurance companies.
1. Dressing
2. Bathing
3. Transferring
4. Continence
5. Eating
6. Toileting

Long-term care is sometimes called “custodial care” or “personal care” and family members frequently provide it. Personal care aides are hired as caregivers from home care agencies or by word-of-mouth referrals.


Long-term care is not typically covered under health insurance policies, HMO plans, Medicare, or Medicare Supplement Insurance. If these policies cover nursing home care or home care at all, it is only for a short-term or limited basis.

Long-term care is not necessarily “long term.” For instance in 1997 about 1/3 of all nursing home stays last six months or less. If someone is admitted, treated, and then discharged from a nursing home they may need help with daily activities which may not be covered by health insurance. This is where many people use their long term care insurance.

Some people only need help for a few weeks or months, others however may need care for the rest of their life, at any age.

The average length of time since admission among all residents currently living in a nursing home was 3 years. This average varied by gender and marital status.

We find that the length of time people stay in a nursing home has increased, people are living longer because of improvements in medicine.

This Long Term Care Planning tool from Medicare could help you learn even more.

Abrams/Mendelsohn Insurance, Inc.

722 Cockeys Mill Rd

Reisterstown, MD 21136

Phone: (410) 517-2055

Areas Served:
  • Reisterstown
  • Owings Mills
  • Cockeysville
  • Towson
  • Baltimore
  • Frederick
  • Perry Hall
  • Parkville
  • Catonsville
  • Ellicott City
  • Columbia
  • Laurel
  • Odenton
  • Annapolis