WHAT IS LONG-TERM CARE?
What Is Long-Term Care?
Will I Need Long-Term Care?
What Does LTC Cost?
Who Pays for LTC?
Doesn't Government Pay?
What If Family Wants To Help?
What Are My Options?
Why Long-Term Care Insurance?
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Disclaimer: This website provides general information. It is not intended as a substitute for personal financial, legal or insurance advice.
Long-term care refers to services delivered to someone who is sick or disabled with a chronic condition and not expected to recover. Long-term care is provided in the home or in facilities such as adult day care, Alzheimer's centers, assisted living and nursing homes. But since long-term care is not acute care, neither health insurance nor Medicare pays for it, except in very limited, short-term situations (e.g., following surgery). The costly services you will need to plan for include:
Activities of Daily Living (ADLs)
- Feeding
- Getting In and Out of Beds and Chairs
- Bathing or Showering
- Getting Dressed
- Dealing with Incontinence or Diapers
- Getting To and From the Toilet and Associated Hygiene
Cognitive Decline
- Supervision to Prevent Wandering
- Supervision to Ensure Safety
- Supervision to Keep On Task
Instrumental Activities of Daily Living (IADLs)
- Taking Medications
- Preparing Meals
- Managing Money
- Shopping
- Doing Housework
- Using a Telephone
- Driving
- Handling Correspondence
- Doing Laundry
Doesn't sound like anything that could put you at financial risk? Read on ...
Copyright © Martha H. Bowes, 2005, 2006, 2007