In New York, you need to contact your LDSS to apply for Medicaid for long-term care services. You will need to fill out an application form, and provide documentation to verify general and financial requirements. Then your functional ability will be assessed. You are not required to apply yourself; anyone you choose can do this for you. Applications should be submitted as soon as you think long-term care is necessary because Medicaid can take up to 45 days to process your application. This allowance increases to 90 days if a disability determination needs to be made. Your status will be reevaluated every year to continue coverage.

It is important to note that many health insurance plans provided by employers only cover what Medicare will already cover. So do not simply rely on these plans, and inquire into exactly what they will and will not cover for your long-term care needs.

Other options to pay for your long-term care include: long-term care insurance, reverse mortgages, life insurance options, and annuities.