News...
September 8 , 2008


South Dakotans urged to plan for long-term care needs
Public education sessions to be held on long-term care partnership program

PIERRE, S.D. As the costs of everyday essentials rise, many are not prepared to weather the financial storm should they or a loved one need long-term care.  Without long-term care insurance, a nursing home stay could destroy the finances of many South Dakotan families.

The average cost of nursing home care in South Dakota is $4,750 per month, or more than $50,000 per year. Many South Dakotans mistakenly assume Medicare will cover these expenses, but in fact, Medicare pays only a small portion, and only when certain conditions are met. Additionally, many are unaware of the availability of long-term care insurance.

“It is a common misconception that only the elderly should be concerned with long-term care,” said Deb Bowman, Secretary of the South Dakota Department of Social Services. “The truth is that more than two-thirds of Americans will need some form of long-term care after age 65, and planning ahead is a way to help protect yourself and your family.”

The Long-Term Care Partnership Program is a public-private partnership that offers individuals quality, affordable long-term care insurance without depleting their assets. The South Dakota Department of Social Services began offering free education sessions on the program in 2007, as a way to raise awareness about long-term care insurance and the benefits for South Dakotans.

The fall 2008 education session schedule includes stops in 17 locations from September to December. Sessions will include basic information on long-term care, the costs related to it, how to plan for long-term care needs, what Medicare and Medicaid will cover and how the Long-Term Care Partnership Program can help.. The education sessions are free and open to the public. Below are the scheduled times, dates and locations for fall 2008. Each session is scheduled for one hour.

  • YANKTON: September 16, 2008
    Location: Yankton Public Library, 515 Walnut Street.
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • MADISON: September 17, 2008
    Location: Madison Public Library, 209 E Center Street.
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • SIOUX FALLS: September 18, 2008
    Location: Oak View Branch of SF Public Library, 3700 E 3rd Street
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • VERMILLION: September 22, 2008
    Location: Vermillion Public Library, 18 Church Street
    Time: Sessions will be held at 10:30 a.m., noon, 3 p.m., and 5:30 p.m.
  • WATERTOWN: September 24, 2008
    Location: Watertown Regional Library, 611 8th Ave. NE
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • SISSETON: September 25, 2008
    Location: Sisseton Public Library, 305 E Maple Street
    Time: Sessions will be held at 10 a.m. and noon.
  • ABERDEEN: September 25-26, 2008
    Location: Aberdeen Courthouse Annex, 25 Market Street
    Time: Sessions will be held at 5:30 p.m. on Sept. 25, and 9 a.m. and noon on Sept. 26
  • PIERRE: September 29, 2008
    Location: Becker Hanson Board Room, 700 E Broadway
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • CHAMBERLAIN: September 30, 2008
    Location: Sanford Mid-Dakota Hospital Conference Room, 300 S Byron Blvd
    Time: Sessions will be held at 10:30 a.m. and noon.
  • MITCHELL: October 1, 2008
    Location: Avera Community Room, 525 N Foster
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • RAPID CITY: October 6, 2008
    Location: Rapid City Public Library, 610 Quincy Street
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • SPEARFISH: October 7, 2008
    Location: Spearfish Regional Hospital, 1440 N Mail
    Time: Sessions will be held at 3 p.m. and 5:30 p.m.
  • HOT SPRINGS: October 8, 2008
    Location: Hot Springs Public Library, 1543 Baltimore
    Time: Sessions will be held at 3 p.m. and 5:30 p.m.
  • PIERRE: October 21, 2008
    Location: Capital Building Room #468, 700 Governors Drive
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • HURON: October 22, 2008
    Location: Crossroads Hotel, 100 4th Street SW
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • BROOKINGS: October 23, 2008
    Location: Brookings Public Library - Cooper Room, 515 3rd Street
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • RAPID CITY: October 30, 2008
    Location: Rapid City Public Library, 610 Quincy Street
    Time: Sessions will be held at 3 p.m. and 5:30 p.m.
  • SPEARFISH: October 31, 2008
    Location: Hudson Hall, 222 W Hudson
    Time: Sessions will be held at 9:30 a.m. and noon.
  • WINNER: November 5, 2008
    Location: Winner Regional Healthcare, 745 E 8th Street
    Time: Sessions will be held at noon and 2 p.m.
  • MOBRIDGE: November 6, 2008
    Location: Grand Oasis Inn, 906 W Grand Crossing
    Time: Sessions will be held at 10:30 a.m. and noon.
  • SIOUX FALLS: November 13, 2008
    Location: Caille Branch – SF Public Library, 4100 Carnegie Circle
    Time: Sessions will be held at noon, 3 p.m., and 5:30 p.m.
  • HURON: December 2, 2008
    Location: Crossroads Hotel, 100 4th Street SW
    Time: Sessions will be held at noon and 2 p.m.
  • ABERDEEN: December 3, 2008
    Location: Alexander Mitchell Public Library, 519 Kline Street
    Time: Sessions will be held at 9:30 a.m. and noon.

About the Long-Term Care Partnership Program: The Long-Term Care Partnership Program is a public-private partnership offering individuals quality, affordable long-term care insurance. Once private insurance benefits are used, special Medicaid eligibility rules are applied if additional coverage is necessary. The Department will continue to offer community education sessions, educating and informing citizens on the Long-Term Care Partnership Program and the need to plan ahead and prepare for long-term care. To find out when we will be in a community near you, log onto www.ltcpartnership.sd.gov or call 1-800-597-1603 to learn more.