Long-Term Care

Long-Term Care

How to Plan & Pay for It

Joseph Matthews


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People who must make long-term care decisions for themselves, a spouse, or other family member. Adult children or spouses who want to plan for their own or a loved one’s future care needs.


  • As the U.S. population ages and more boomers reach their 70s, more people need long-term care.
  • Medicare, Medicaid, and long-term care insurance are all explained, in plain English
  • Long-term care options are compared, helping readers choose one that matches their needs and budget.
  • There are 1.5 million people in nursing homes, and the average stay is more than two years. Many more people receive care in their homes or at day care facilities. Medicaid and Medicare pay for some of this care, but most use some sort of private funding. (CDC.)
  • Average cost of home health care has gone up 4.5% from 2018 to 2019. The national median cost of a nursing home was $8,000 per month and an assisted living facility was $4,000 per month in 2019. Medicaid can pay for much of this care. (Genworth Annual Cost of Care Survey 2019)

  • Author

    Joseph Matthews:
    Joseph Matthews has been an attorney since 1971, and from 1975 to 1977 taught at the law school of the University of California, Berkeley. He has for many years been involved in matters relating to seniors, and is the author of Social Security, Medicare & Government Pensions and Long Term Care: How to Plan & Play for It, as well as How to Win Your Personal Injury Claim.