How To Find Affordable Long Term Care Insurance In Arizona
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
How to Find Affordable Long-Term Care Insurance in Arizona
Overview
Arizona offers long-term care through the Arizona Long Term Care System (ALTCS), catering to seniors aged 65 and over and disabled individuals needing ongoing care in facilities like nursing homes.
Eligibility Criteria
To qualify for ALTCS, applicants must meet certain requirements beyond age and disability. These include:
1. Monthly Income: Applicants should have a monthly income below $1,869. Exceptions exist for those approved by the Arizona Health Care Cost Containment System (AHCCCS), Arizona’s Medicare program, who may have higher incomes.
2. Financial Resources: Individual resources must be under $2,000, including bank accounts, cash, stocks, and bonds. Married applicants’ spouses can retain half of available assets, up to $101,640. Homes and vehicles are excluded from this limit.
3. Citizenship: Applicants must be U.S. citizens residing in Arizona, though lawful resident aliens may also qualify.
4. Pre-Admission Screening (PAS): All applicants must undergo a PAS test to assess their ability to function in the community without requiring custodial or nursing care.
Service Options
ALTCS provides flexible care options, including in-home services or care in assisted living facilities, rather than requiring residence in a nursing home.
By understanding these requirements and options, individuals in Arizona can better navigate the process of securing affordable long-term care insurance through ALTCS.
You can find the original non-AI version of this article here: How To Find Affordable Long Term Care Insurance In Arizona.
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