How To Find Affordable Long Term Care Insurance In Arizona

The state of Arizona provides long term care throughbank accounts, cash, stocks, bonds etc. If the applicant
a program called Arizona Long Term Care Systemis married, the applicant's spouse is able to keep one
(ALTCS). This program provides coverage for seniorhalf of the available assets up to a maximum of
citizens aged 65 and over and/or individuals who are$101,640. Tangible assets such as a home and/or
disabled and require ongoing care in facilities like nursingvehicle are not included and will not be considered as
home or other long term care institutions.part of the resource limit.
In addition to meeting the age and disability requirement,3.Citizenship Status: Applicants must be a citizen of the
there are other factors to determine whether or not aUnited states and reside in the state of Arizona.
person is eligible for this program. Some of theLawful resident aliens may also qualify.
additional requirements are as follows:4.Testing: Each applicant must undergo a PAS test. A
1.Monthly Income: The monthly income may notPAS test is a screening test for pre-admission. Every
exceed $1,869 per month. There are acceptationspotential candidate must undergo this screening before
however for those who have been approved bybeing accepted into the program. In essence, the test
AHCCCS (Arizona Health Care Cost Containmentwill indicate whether or not a person can function in the
System - Arizona's Medicare program) AHCCScommunity without custodial or nursing care.
applicants may have an income exceeding the monthlyIt is not a requirement to be in a nursing home to
income amount.receive care from ALTCS. ALTCS services can be
2.Financial Resources: Available resources valuing lessprovided on an in-home basis or provided while living in
than $2,000 for an individual. Available assets may bean assisted living facility.