What is Long-Term Services and Support (LTSS)?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding LTSS

Long-Term Services and Support (LTSS) refers to a variety of services and supports to help individuals with chronic illnesses, disabilities, or other conditions that limit their ability to perform everyday activities. LTSS can be provided in various settings, including one’s home, a community facility, or a residential care facility.

What Are Long-Term Services And Supports?

Types of LTSS

  1. In-Home Care Services: Assistance with daily living activities like bathing, dressing, and meal preparation at the individual’s home.
  2. Community-Based Services: Services such as adult day care and transportation services.
  3. Facility-Based Care: Includes nursing homes and assisted living facilities, providing 24-hour care.

Funding and Eligibility for LTSS

  • Medicaid: The primary payer for LTSS, especially for low-income individuals.
  • Medicare: Limited LTSS coverage, mainly for short-term rehabilitation.
  • Private Insurance: Long-term care insurance policies.
  • Out-of-Pocket: Individuals without coverage may pay for LTSS out of their own finances.

Importance of LTSS

  • Improves Quality of Life: Helps individuals live more independently.
  • Relieves Caregiver Burden: Provides professional assistance to family caregivers.
  • Health and Safety: Ensures health and safety needs are met professionally.

LTSS Options and Considerations

LTSS TypeDescriptionConsiderations
In-Home CarePersonal care services at homeComfort, familiarity
Community-BasedServices like adult day care, transportationSocial interaction, local access
Facility-Based CareNursing homes, assisted living24-hour care, specialized needs


Understanding Long-Term Services and Support is crucial for individuals needing ongoing care. It encompasses a range of services designed to assist those with chronic conditions or disabilities, enhancing their quality of life and providing essential support. By exploring various LTSS options, individuals and their families can make informed decisions about their long-term care needs.

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Frequently Asked Questions

What are some common types of LTSS?

Common types of LTSS include home health care, personal care, adult day care, nursing home care, and hospice care.

What are long-term services and supports (LTSS), and who do they serve?

LTSS refers to services and supports provided to individuals who require assistance with daily activities due to aging, disability, or chronic illness. They serve a diverse population of individuals of all ages, including older adults, people with disabilities, and those with chronic health conditions.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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