Frequently Asked Questions

This is an insurance policy that is designed to help cover the costs of medical, personal, and social services when you are unable to take care of yourself due to prolonged illness or disability. These policies usually pay for skilled, intermediate, and custodial care in a nursing home. Home health care, adult day care, and assisted living care are also often covered. These policies usually pay a fixed amount per day or per visit to facilities or caregivers that are licensed by the state and/or participate in Medicaid and Medicare.

Benefits paid by a tax-qualified long-term care plan generally are not taxable as income. Benefits from a non-tax-qualified long term care plan may be taxable as income. Check with your tax advisor about the possibility of deducting a portion of the premiums paid in addition to the individual tax consequences involved.

Medicare will pay for some home health care and skilled nursing facility care following a hospital stay as a part of continuing care. It does not pay for nursing home care or longer-term home care. Medicare does not pay for most long-term care services. Individuals should not rely on Medicare to meet their long-term care service needs. Medicare does not pay for custodial care when that is the only kind of care needed.

Yes, but you must meet very low-income and asset requirements to qualify for Medicaid. Contact our office for more information by calling 803-737-6180.

To file a complaint with the SCDOI's Office of Consumer Services, complete the online Consumer Complaint Form .