Quick Links: Skip to main page content Skip Navigation
HHS logo Department of Health and Human Services

Planning IQ Quiz

The quiz below can provide a snapshot of how much planning for long-term care you’ve done and suggest some easy first steps. Answer each question below YES or NO.

  1. I think it is possible that I might someday need long-term care.
     

  2. I have looked into what it would cost if I ever needed nursing home care. Or I have looked into what community-based services are available to provide care in my home and what they cost. Specifically, I have visited or called nursing homes or home health care agencies to find out what they cost. Or I know first-hand what they cost because someone in my family has needed care
     

  3. I have talked with my spouse, adult children, friends, or siblings about whether they might care for me if I became ill or disabled for a long time. I have told them how I feel about relying on their help.
     

  4. I have looked into alternative living options such as moving in with family; moving to an assisted living facility, retirement community, or continuing care community; moving to an apartment or house that is easier to take care of; or modifying my home to make it easier to get around and .maintain.
     

  5. I have talked with a financial planner, insurance agent, attorney, or other financial advisor about how I would pay for long-term care services if I needed them.
     

  6. I have thought about how much of my current income and assets I could afford to set aside to pay for long-term care expenses if I needed care due to an extended disability or illness.
     

  7. I have reviewed in detail my current health care insurance to understand whether it would pay for my long-term care. My current health care insurance includes:
    1. Medicare Medigap—the insurance that helps pay for services Medicare does not pay for);
    2. My health maintenance organization—an organization I may belong to that manages my health care, etc.)

     

  8. I have specifically set aside funds to pay for long-term care if I need it. I am sure I won’t use these funds for anything else until I am certain that I won’t need long-term care. This might include: a medical savings account like an IRA; long-term care insurance; other types of insurance that pay me a cash amount over a period of time like a long-term care annuity or reverse annuity mortgage.
     

  9. I have asked my family doctor whether I might be at higher risk for needing long-term care someday based on my medical and family history or lifestyle risk factors.
     

  10. I have read a consumer guide about planning for long-term care or buying long-term care insurance.
     

Return to Planning Steps

Developed by Long Term Care Group, Inc.

Back to top