Content Overview 
- Summary
- "Long Term Care" Defined
- How To Decide Whether To Purchase Long Term Care Insurance
- Effect Of A Pre-Existing Health Condition
- Long Term Care Partnership Policies
- Health Conditions Which Are Most Likely To Require Long Term Care
- How To Purchase A Long Term Care Insurance Policy
- What Happens When You Apply For A Long Term Care Insurance Policy
- What To Do Once You Have A Long Term Health Insurance Policy
- Filing A Claim Under A Long Term Care Insurance Policy
- Qualifying For Medicaid If Your Benefit Runs Out
- Long Term Care Ombudsmen
Long Term Care Insurance 101
Long Term Care Ombudsmen
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A long term care ombudsman is a person who helps with everything involving long term care - from finding a nursing home that meets your needs to resolving problems that arise if you are living in a long term care facility.
An ombudsman can either explain your rights and how to resolve an issue or can act on your behalf.
All 50 states have state and local long term care ombudsman programs. Most local programs rely on trained volunteers.
To locate the web site and phone number of your state Ombudsman program, go to : www.dss.state.mo.us/da/ombud/obudlink.htm or call the Eldercare Locator at 800.677.1116.
Reviewed by:
David Flecker, CLU, ChFC
Executive Vice President
DeWitt Stern Group, Inc.
New York, NY
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