Specializing in Long-Term Care Insurance for nearly 30 years, GoldenCare USA represents all of the top carriers; giving you the option to choose which company's plan best fits your specific needs and budget. Our goal is to keep you out of the nursing home as long as possible.
This website was specifically developed to help you become familiar with issues regarding Long-Term Care and the financial and emotional impact it can have on you and your family. As Long-Term Care Specialists, we believe that we have an obligation to assist you in maintaining your quality of life, as well as, assisting you in protecting your independence, assets and your life savings. We also specialize in other Senior Care products such as Critical Care Insurance, Medicare Supplements, Medicare Advantage Plans, Prescription Drug Coverage, Life Insurance and Annuities.
Who Needs Long-Term Care Insurance?
- About 50% of people who currently need long-term care services are under 65 years of age 
- At least 70% of individuals over 65 years of age will need long-term care services 
- That risk is 79% for women 65 and older (due to longer life-expectency ) 
Improvements in medical technology have dramatically increased the life expectancy of our population, prolonging the lives of many and increasing the number who may require long-term care. More people are now living well into their 80’s, and even into their 90’s. Senile Dementia and Alzheimer’s disease have become leading causes of the need for long-term care. Other causes include complications resulting from chronic and crippling arthritis, osteoporosis, diabetes, and strokes.
Medicare now pays less of your health care costs due to increases in the deductibles and "Part A" co-insurance payments. Additionally, the Diagnostic Related Groups prospective payment system (the program that sets per-ailment ceilings on Medicare's payment to a hospital) is still in effect. Because of these mandated time limits, hospitals are transferring patients faster and sicker to lower-cost nursing home or extended-care facilities of the remainder of their recovery period. The vast majority of these stays are considered "custodial" and are not paid for by Medicare. This can result in substantial out-of-pocket expenses.
As a result, the need for long-term care is impacting more and more American families and threatening the financial stability of those without the means to cover the high cost of LTC expense. These families are trying to answer some difficult questions. They are trying to figure out how they are going to take care of themselves, their parents and grandparents, and still provide for the education of their children and for their own retirement.
Achieving Your Goals
Like most people, you want to:
- Maintain your financial independence
- Preserve the wealth you’ve worked so hard for over your lifetime
- Avoid burdening family and friends with your care
- Protect your ability to remain independent
- Have access to quality care
Long-term care insurance helps you to achieve these goals and protect what is most important to you. Visit our Long-Term Care page for more information on this important subject.
 Kaiser Commission on Medicaid Facts. "Medicaid and the Uninsured". June 2012.
[2 ]“Medicare & You”. The Official Medicare Handbook. 2013.
 Connell, Kathleen. "Long Term Care: A Women's Issue". 2012.