Long Term Care provides several different services to help a person’s personal or health needs during a short or long period of time who cannot care for themselves. The goal long term care is to help you maintain your lifestyle as you age. To be eligible an individual is unable to perform without assistance of another person, at least two (out of the five) Activities of Daily Living (ADL’s). The five ADLS are considered are: bathing, dressing, toileting, transferring and eating. Long Term Care need may result from accidents, illnesses, advanced aging, strokes, or other chronic conditions. Cognitive illnesses such as Alzheimer’s and dementia are also on the rise.
Where You Receive Care
Most people want to receive care in their homes. Care options can be to assist with cooking, cleaning, running errands. Hands on care, assist with bathing, dressing, eating, and medication.
Community options are Adult Day Care. Individuals can join a place where they are provided care in a community setting. They can join in planned activities. Some programs also include personal care, transportation, medical management, and meals.
Facility options are Assisted Living or Nursing Home care. Assisted Living facilities provide care in a residential facility. The level of care is not as extensive as a nursing home. People consider assisted living when they don’t’ need around the clock care. Nursing home care provides a higher level of care and supervisions when people need more help with their daily activities. Person care, lodging, supervision, medication, therapy, and rehabilitation are all provided on site, 24 hours a day.
Costs depends on the coverage you chose. Premiums are based upon a number of factors; your age, the length of time you want to be covered for care, your health, the elimination period, and the maximum dollar amount you will be reimbursed for care.
You can purchase Long Term Care privately or through a group (your employer). Most people prefer to buy coverage on their own so they may customize their care and cost. Group programs have predesigned options based around the groups (employers) unique demographics.
Our team will help you navigate the world of Long Term Care a create program that specifically meets your needs and goals.
We take you through our 5-step process
Insurance plans come in all shapes and sizes. That’s why it’s important to assess your needs before you choose an insurance plan.