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Long term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long term care insurance helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age. You may never need long-term care. This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care.

We have assembled some of the cheapest resources for California long term care insurance insurance on this page. Long-term care insurance policy is not for everyone. For a limited population, long-term care insurance makes sense as an affordable and worthwhile form of insurance. Buying long-term coverage should not cause financial hardship and force you to forego other financial needs. Whether long-term care insurance is appropriate requires a full financial analysis. For many people it is not a good idea. Although the need for long-term care can arise gradually as a person ages and needs more and more assistance with activities of daily living, for most a stroke or a heart attack will be the precipitating need. Those with acute illnesses may need nursing-home care for a matter of months, while others may need care for years.

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Long-Term Care Ombudsman Program in California
The California State Long-Term Care Ombudsman Program is authorized by the federal Older Americans Act and its State companion, the Older Californians Act. The primary responsibility of the program is to investigate and endeavor to resolve complaints made by, or on behalf of, individual residents in long-term care facilities. These facilities include nursing homes, residential care facilities for the elderly, and assisted living facilities. The Long-Term Care Ombudsman Program investigates elder abuse complaints in long-term care facilities and in residential care facilities for the elderly.

The Office of the State Long-Term Care Ombudsman (OSLTCO) develops policy and provides oversight to the local Long-Term Care Ombudsman Programs. OSLTCO staff confer with State licensing agencies regarding difficult cases, meet with the California Department of Aging Staff Counsels to clarify laws and develop plans for implementing them, define program roles, and provide ongoing statewide Ombudsman training.

The goal of the State Long-Term Care Ombudsman Program is to advocate for the rights of all residents of long-term care facilities. The Ombudsman's advocacy role takes two forms: 1) to receive and resolve individual complaints and issues by, or on behalf of, these residents; and 2) to pursue resident advocacy in the long-term care system, its laws, policies, regulations, and administration through public education and consensus building. Residents or their family members can file a complaint directly with the local Long-Term Care Ombudsman or by calling the CRISISline. All long-term care facilities are required to post, in a conspicuous location, the phone number for the local Ombudsman office and the Statewide CRISISline number 1-800-231-4024. This CRISISline is available 24 hours a day, 7 days a week to take calls and refer complaints from residents.

The Long-Term Care Ombudsman Program is a community-supported program. Volunteers are an integral part of this program. The OSLTCO and its 35 local Ombudsman Program Coordinators are responsible for recruiting, training, and supervising the volunteer Ombudsman representatives.
Ombudsman services are free and confidential. Contact your local LTC Ombudsman Program for the following resident services:

Questions or concerns about quality of care
Questions or concerns about financial abuse
Suspected physical, mental or emotional abuse of residents
Witnessing services for Advance Health Care Directives
Requesting an Ombudsman to attend a resident care plan meeting
Requesting an Ombudsman to attend a resident or family council meeting

Source: http://www.aging.ca.gov/programs/ombudsman.asp