In the months following the announcement of health care reform, it became known to Congress and to those sitting on the healthcare reform panel that long-term care is not limited to elderly. Though this should have been a common knowledge statement, it was not. In fact, many people do not view the need for children to have long-term care insurance. There are several reasons that long-term care insurance is necessary and should be a top priority for families in today's society.


No parent wants to think about his or her child being sick with an illness that requires long-term care. If an issue that lives in the back of someone's mind, but it is not something that they want to actually face. The truth is, under current insurance status, a child who is diagnosed with a long-term care related illness may be facing no coverage or very little coverage. Though the first step would be to consider Medicaid, Medicaid also does not cover long-term care unless it is related to post-acute issue. This means, that if a child is diagnosed with an issue that does not follow an inpatient or outpatient procedure or is the result of the same type of procedure, then it is listed as a long-term care illness and I post-acute illness. This distinction means the child will only have basic adopters plummets covered and will not have coverage for long-term care that may be necessary for their illness.

Out-Of-Pocket Expenses

When insurance coverage does not cover long-term care, it is up to the family of the child to pay the expenses. In many cases, there is no option for gap insurance that would cover the large amount, and exceedingly increasing amount, of long-term care. This leaves them with a very large out-of-pocket expense. In some cases, the out-of-pocket expense puts the family in need of welfare and other government programs. This adds to the welfare lines, adds to the issues facing the government, and is not necessarily offer any better coverage for the child with the illness.

Long-Term Care Insurance Options

When an issue arises where a child is diagnosed with an illness that is not covered under the post-acute status, long-term care insurance does become an option. Unfortunately, in some cases this comes too little too late. Some long-term care insurance policies will not allow you to purchase long-term care and put it into effect if the illness has already been diagnosed. This is why it is vitally important for parents to consider long-term care insurance and purchase long-term care insurance for their children prior to any diagnosis of an issue. If the illness is diagnosed after the long-term care insurance policy has been purchased, then the policy can go into effect the child will be protected to a much higher degree than they would be otherwise.

Though long-term care insurance is not the only answer, and there will be certain gaps left, long-term care insurance is one of the best safety nets you can provide for your child prior to any issue that may render them in a situation and need for long-term care help.