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Concerned adult woman and her mother talking with a healthcare professional about her mom's health insurance

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En español | The costs of care can be overwhelming. Medicare, Social Security, veterans or other public benefits and long-term care insurance can help. While these are crucial resources, they are often confusing and difficult to manage.
AARP's Caregiving Question and Answer Tool is your source when navigating the complexity of insurance and public benefits.


Long-Term Care Q & A Home

Q. What is long-term care insurance?

A. Depending on the policy options you select, long-term care insurance can help you pay for services, whether you are living at home, in an assisted living facility or a nursing home. — Read full answer.


Q. How much does long-term care cost (e.g., nursing home, assisted living, adult day care, home health aide)?

A. The cost for long-term care varies widely, depending on the type of care needed and where you live. — Read full answer.

Q. How does long-term care insurance work?

A. Most people buy long-term care policies through an insurance agent or broker. Some employers or service organizations might offer discounted or group rates to members. — Read full answer.


Q. How do I prepare for my own long-term needs?

A. It is smart that you recognize the importance of thinking about your own long-term care. AARP has several guides and worksheets that can help. — Read full answer.


Public Benefits Q & A Home

Q. Is there any financial assistance to help cover the costs of medical supplies and services to help me care for my family member/friend?

A. There are a variety of federal and state programs that exist for those in need of assistance. To find programs that help save money, visit AARP’s Benefits Quick Link. — Read full answer.

Q. How do I apply for Social Security Disability for another person?

A. There are two ways to apply — either online (at or by making an appointment to file your claim by calling the Social Security Administration (800-772-1213). — Read full answer.


Q. Does Medicare pay for home care?

A. Yes, in some instances, Medicare pays for certain care deemed medically necessary for up to 60 days. — Read full answer.

Q. What benefits are available to my loved one who is a veteran?

A. A variety of benefits exist for veterans, their family caregivers and survivors, but eligibility requirements vary significantly. — Read full answer.


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