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Long Term Care
 
What is Long Term Care?
 

Long-Term Care Defined

When disease or injury keeps you from taking care of yourself over a long period of time, you may need some form of long-term care (LTC).

 
Why Would I Ever Need It?

No one can predict if and when you will need long-term care, or for how long.  We do know that:

  • At least 70% of people over age 65 will require some long-term care 1
  • Of those who need long-term care, 40% are under age 65 1

That is, you may need help as part of the normal aging process – something we all face - or you may have a medical crisis, like:

  • Stroke
  • Alzheimer's disease
  • Rheumatoid arthritis
  • Vehicle accidents
  • Multiple sclerosis
  • Diabetes

Any serious injury or illness with long-lasting effects could keep you from doing activities of daily living (ADLs):

  • Eating
  • Taking a bath
  • Getting dressed
  • Moving in and out of bed
  • Grooming
  • Using the restroom

That's when long-term care steps in.

What Are The Types of Long-Term Care?

Either in your home or in a facility, long-term care refers to any kind of support for daily living on a long-term basis. These types of long-term care services can occur at any location – for a person of any age.

In your home care can be delivered by:

  • Personal Care Assistants or Companions – for household tasks like cleaning, cooking, running errands
  • Home Health Aides – for personal care like bathing and dressing
  • Nurses – support IVs, medications, more complex health issues

 In a facility the range of care levels includes:

  • Adult Day Health Care – offers daytime social and therapeutic activities, while you still live at home
  • Assisted Living – allows you to live independently with on-site support for daily basics


 

Article provided by Genworth


Long Term Care Insurance Quote
Articles
Long Term Care Channel 
. How to Handle the Insurance Flood
. Tips for Buying Long Term Care Insurance
. Long Term Care Toolkit
. Planning to Care
. Hiring Private Duty Home Care Workers
. Supported by Caring Communities
. What to Look For in a Nursing Home
. A Time of Grief: Moving Away From the Homestead
. Assisted Living Communities Checklist
. Changing The Status Quo
. Will Your Future Depend on Long Term Care?
. Long Term Care Insurance Demystified
. Long Term Care Facilities
. Nursing Home Care
. “This Is My Life Now”: An interview with a nursing home      resident
. Planning For Long Term Care
. Becoming Long Term Care Aware
. Making Sense of Long Term Care Insurance
. Choosing Well: Long Term Care Facilities
. Giving it All Away: A Caregiver's Dilemma