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What is Long-Term Care
Long-term care includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health needs and personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, mobility, eating, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. Remember you may need long-term care at any age due to both accident or illness, however you may never need long-term care either. 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. Most will be cared for at home; family and friends are the sole caregivers for 70 percent of the elderly. A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. The average stay in a nursing home is just short of three years, but about 10 percent of the people who enter nursing homes will stay there five years or more.
Choosing long-term care is an important decision. Planning for long-term care requires a great amount of thought about the future possibilities. It is very important that you consider your choices before a crisis occurs. The sooner you choose the better the odds are you will beat the odds of paying to much or being forces into a bad decision. When thinking about possible future health care needs look at all of your choices, especially private insurance. You will have more control over decisions and be able to stay independent longer by planner early and choosing wisely. Even if you plan ahead, making long-term care decisions can be hard.
Key Benefits
- Preserves your estate so you can leave something to love ones
- Relieves your family of the burden of being full time caregivers.
- Gives you the peace of mind you will be taken care of when you can no longer do that for yourself
