Long-Term Care & Filial Responsibility

Filial responsibility laws hold adult children financially responsible for the care of their elderly parents. These laws vary in different states, but typically require adult children to provide for their parents’ basic needs if they are unable to do so themselves.

Long term care insurance can help protect adult children from the financial burden of their parents’ care by providing coverage for nursing home, in-home care, and other services. This can help adult children avoid expensive out-of-pocket costs associated with their parents’ care and alleviate the stress of having to provide for them.

Long term care insurance can also help protect adult children’s own financial security by ensuring that they are not left with massive medical bills to pay.

FAQ

Q: What is Long Term Care Insurance?

A: Long Term Care Insurance is a type of insurance that covers the costs associated with long-term care services, including home care, adult day care, assisted living, and nursing home care. It is designed to help protect individuals and their families from the high costs of long-term care services.

Q: What states enforce filial laws?

A: Filial laws, or laws that require adult children to cover the costs of their parents’ long-term care, are enforced in 31 states, including Alabama, Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, and West Virginia.

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