Paying for Services

The Paying for Services section gives information about how people can fund/pay for their long-term care support and services.

The topics covered in this section are:

  • Social Security
  • Long-term care insurance(LTC)
  • Private pay
  • Veterans Administration

Social Security


If eligible, Social Security can provide benefits to you or a family member when you retire, become disabled, and when you die.

To be eligible for Social Security you must meet the following:

  • 65 years of age or older
  • Blind or disabled
  • Limited income and/or limited resources
  • U.S. citizen and resident

Social Security Benefits Planners:

Social Security benefits planners help you understand your Social Security protection as you plan for your financial future.

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Veterans Administration


Provides patient care, veterans’ benefits and other services to the veterans of the armed forces and their families. Disability compensation can also be provided to those who are injured or have contracted a disease while serving.

The eligibility requirements are:

  • Specific service requirements may vary, depending on the time period during which a veteran served
  • A certificate of eligibility is required to obtain a VA loan

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Long Term Care Insurance


Long-term care insurance is designed to cover long-term services and supports, including personal care in your home, community, or a facility. Long-term care insurance features and benefits may vary from company to company and by policy. Knowing the types of services you may want or need, will help you find the best solution.

To learn more about long-term care insurance, you can visit the Maryland Health Care Commission: Consumer Guide to Long Term Care website.

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Private Pay


Paying for long-term care services and supports with your personal finances.

It's hard to predict if you'll need long-term care services and supports. It’s also hard to know how much you'll need, what it will cost, and whether family or friends will provide some of the care. You will likely have to pay for some or all of your long-term services and supports. Which financing option is best for you depends on many factors which include:

  • Age
  • Health status
  • Your risk of needing long-term services and supports
  • Your personal financial situation

Personal income and savings

It can be very hard to save enough money to pay for these expenses. Will you have saved enough if you need long-term services and supports earlier than expected? Can you pay for your own long-term services and supports without taking funds from other vital needs such as your spouse’s living costs?

Life insurance

You may be able to use your life insurance policy to help pay for long-term services and supports. Be sure to review your policy carefully and consult with your insurance agent about options.

Annuities and trusts

Another option may be annuities and trusts. Contact your financial advisor to assess this option. If you do not have a financial advisor you can contact the National Association of Personal Financial Advisors.

Home equity

You may have greatly reduced or paid off your home mortgage by the time you need long-term services and supports. The value of your home may be more than its original purchase price. If so, there are different ways you can use that equity to pay for long-term services and supports:

  • Sale of your home
  • Reverse mortgage

Make sure you thoroughly understand the implications of each option and whether it is right for you.

Download the consumer booklet or review commonly asked reverse mortgage questions and answers.

For more in-depth assistance, contact your local MAP office directly or call our statewide toll-free number (1-844-627-5465).