More long-term care information

National Clearinghouse on Long-Term Care

The U.S. Department of Health and Human Services developed this website to provide information and resources to help you and your family plan for future long-term care needs. There are helpful tools, including a planning quiz and calculators, aimed at helping you understand the planning and costs associated with long-term care.

Long-Term Care Section
Division of Regulation and Licensure, Department of Health and Senior Services

This section of DHSS inspects and licenses long-term care facilities and certifies intermediate care and skilled nursing facilities for participation in the federal Medicare and MO HealthNet programs. The section investigates complaints of abuse, neglect or regulatory violation against long-term care facilities.

Division of Senior and Disability Services
Department of Health and Senior Services

The Division of Senior and Disability Services administers a coordinated, integrated home-and-community-based service delivery system to assure that Missouri's elderly and persons with disabilities have access to information regarding options for receiving long-term care in the least restrictive environment. Home and community based services are available to MO HealthNet recipients 60 years of age or older and to adults with disabilities between the ages of 18 and 59 determined to have unmet long-term care needs. Through a comprehensive assessment process, the division authorizes needed services for adults who choose to receive care in the community. The Division of Senior and Disability Services is mandated to receive and investigate reports of abuse, neglect or exploitation of the elderly and disabled persons.

Missouri Long-Term Care Ombudsman Program

The Missouri Long-Term Care Ombudsman Program consists of staff and volunteers who support and assist residents of nursing homes and residential care facilities with their problems and complaints. Their mission is to improve the quality of life for residents of long-term care facilities through advocacy and education of residents' rights under federal and state law. Contact the Ombudsman Program to receive information about nursing home placement, resident rights, loss and theft, volunteer opportunities or to file a complaint not associated with abuse or neglect.

NAIC Long-Term Care Section
National Association of Insurance Commissioners (NAIC) — Insure U

The NAIC's long-term care section provides information for consumers looking to better understand long-term care insurance.


Consumer assistance

DCI Consumer Affairs Division
Department of Commerce and Insurance

DCI's Consumer Affairs Division provides assistance to Missouri citizens who have questions or concerns about long-term care insurance. Representatives can help individuals review an existing policy or a policy that they are thinking about purchasing to see if it fulfills their long-term care needs. Representatives also can find citizens a list of all companies in Missouri that offer long-term care insurance, check the financial stability of a particular insurance company and verify the number of complaints the division received for a company relative to the amount of business it has in Missouri. The division's investigation section investigates unlicensed and fraudulent activity and reviews insurance producer applications.

Missouri SHIP

Missouri SHIP is Missouri's state health insurance assistance program (SHIP). Certified volunteer counselors provide free, unbiased, confidential assistance locally for people with Medicare. Missouri SHIP is funded by Medicare and the Missouri Department of Insurance and is not affiliated with any insurance company and sells no insurance products.

MO HealthNet
Division of Medical Services, Department of Social Services

MO HealthNet is a government health insurance program that promotes prevention and wellness in providing health care access to low-income or disabled persons. The Department of Social Services is responsible for the administration of services provided by the MO HealthNet Program. The website provides information for recipients and contact information for local offices where individuals can apply. Forms also can be found on their website.

Elder Abuse & Neglect Hotline

The Elder Abuse and Neglect Hotline is the intake center for reports of alleged abuse, neglect or financial exploitation of persons 60 years of age or older and disabled adults between the ages of 18 and 59. If you suspect that an elderly or disabled adult is being abused, neglected or exploited, please call the toll-free hotline.

Area Agencies on Aging

Missouri has 10 Area Agencies on Aging, each responsible for providing services within specifically defined geographic boundaries. Each AAA is required to provide legal, nutritional, in-home and disease prevention services. AAAs are allowed flexibility in the development of other programs required to meet needs identified within their service area.

Missouri Alliance for Home Care

MAHC's mission is to support, promote and advocate for the home care industry as an integral component of the health care continuum. MAHC provides advocates on behalf of home health, in-home, hospice or other home-delivered services.

Missouri Health Care Association

The Missouri Health Care Association is an association representing the long-term health care profession in Missouri. Membership in the association consists of licensed proprietary, non-proprietary nursing facilities and residential care facilities. The Missouri Health Care Association is dedicated to improving quality of life to the residents of long-term care.

Family Care Safety Registry (FCSR)

FCSR was established by law to protect children, elderly, and the physically or mentally disabled in this state. The FCSR promotes family and community safety by providing background information on potential caregivers. This service is intended to provide information to help make informed decisions when hiring employees to work with children, elderly, and the physically or mentally disabled.

Centers for Independent Living

Centers for Independent Living take the necessary steps to ensure services are provided to persons with disabilities. The following services are provided: information and referral, independent living skill training, peer counseling, and advocacy. Some of the centers may provide additional services such as counseling, transportation, rehabilitative technology, supported living and mobility training.


Financial and legal resources

Missourians Stopping Financial Exploitation (MOSAFE)

MOSAFE is a two-part project to educate financial institution personnel, seniors, and disabled adults to recognize and report suspected financial exploitation. The project provides training to financial institution personnel on recognizing and reporting exploitation of elderly and disabled customers. The project also educates seniors, disabled adults, and their families on financial exploitation and prevention.

Securities Division
Secretary of State’s Office
573-751-4136 General Inquiry
573-751-1862 Investor Education
800-721-7996 Investor Hotline

The Secretary of State, through the Securities Division, is responsible for protecting Missouri investors from fraud and for ensuring that firms and individuals that sell securities comply with the securities laws of the state. The division is organized into three sections: investor education, enforcement, and registration. Call the toll-free investor hotline to report complaints or make inquiries about broker-dealers, securities agents, investment advisers, investment adviser representatives, or general securities violations.

Attorney General's Consumer Protection Division
800-392-8222 Consumer Protection Hotline
800-286-3932 MO HealthNet Fraud Hotline
866-662-2551 No Call Hotline

The Attorney General's Office works to protect the rights of Missouri's senior consumers. The Consumer Protection Division prosecutes those who prey on seniors and provides educational brochures and speakers for groups.

Missouri Association of Insurance and Financial Advisors

The Missouri Association of Insurance and Financial Advisors protects and promotes the critical role of insurance in a sound financial plan and the essential role provided by our professional agents and advisors. The mission of the Missouri Association of Insurance and Financial Advisors is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of our members.

Missouri Lawyer Referral Service
Missouri Bar Association

The Missouri Bar was created in 1944 by order of the Supreme Court of Missouri. Its mission is to improve the legal profession, the administration of justice, and law. Through educational programs, publications, and more, The Missouri Bar serves as a valuable resource for members and for the citizens of Missouri.

Legal Services of Missouri

This resource provides legal services to low income and elderly people in Missouri. Legal Services encourages people to learn more about Missouri laws to help them resolve some of their legal problems. Educational and self-help materials are posted on its website.

Shared Care Tax Credit (SCT)
Department of Revenue

This is a tax credit that provides help for families to offset the costs of caring for an elderly person 60 years of age and older. Please visit the website or call for eligibility information.


Other useful links


AARP is a nonprofit, nonpartisan membership organization for people age 50 and over. AARP is dedicated to enhancing quality of life for all as we age. They strive to lead positive social change and deliver value to members through information, advocacy and service.


Medicare is a government health insurance program for people 65 and over, some people under the age of 65 with disabilities, and people of any age living with permanent kidney failure. Medicare pays for very limited long-term care services. Individuals can call or visit the website for information about the program and to find a local office.

Veteran’s Affairs

Located in nearly every county of the state, Veterans Service Officers and Assistants are highly trained individuals who provide counseling and assistance in completing and submitting applications for VA and State Veterans Benefits, as well as any necessary follow-up claim work. These services are provided for free to Missouri's veterans and their dependents.

Missouri Veteran’s Commission
Department of Public Safety

Located in nearly every county of the state, Veterans Service Officers and Assistants are highly trained individuals who provide counseling and assistance in completing and submitting applications for VA and State Veterans Benefits, as well as any necessary follow-up claim work. These services are provided for free to Missouri's veterans and their dependents.

Missouri Senior Medicare Patrol

The Missouri Senior Medicare Patrol (SMP) is part of a national network of volunteers who are trained to offer education and advocacy regarding Medicare and MO HealthNet fraud and abuse. Volunteers provide education, assistance and free counseling.

Department of Mental Health
573-751-4122 (Jefferson City)

Working side by side with individuals, families, agencies and diverse communities, the Department of Mental Health establishes philosophy, policies, standards, and quality outcomes for prevention, education, habilitation, rehabilitation, and treatment for Missourians challenged by mental illness, substance abuse/addiction and developmental disabilities.

Other State Departments of Insurance
National Association of Insurance Commissioners (NAIC)