Doesn the government take care of LTC?
No and Yes. Medicare will cover your first 20 days of skilled care, after that they will cover only a portion up to 100 days. From days 21 to 100 you will have a minimum co-pay of $96 PER DAY. Medicaid will provide care, but only if you have spent down your assets to $2000 (approx. $80,000 if married). And then, you have to wait for the first available Medicaid bed which could be hundreds of miles from your family.
