What is long-term care? 

Long-term care refers to a variety of services designed to meet a person's health or personal care needs during a short or long period. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own. 

Who needs long-term care?

Long-term care is needed by individuals who have a chronic illness, disability, or a condition that requires assistance with activities of daily living (ADLs) such as bathing, dressing, eating, and mobility. This can include older adults, people with disabilities, or those recovering from surgery or illness. 

What services are included in long-term care?

Long-term care services include personal care (help with ADLs), healthcare services (nursing, physical therapy), and support services (meals, transportation, and housekeeping). These services can be provided at home, in the community, in assisted living facilities, or in nursing homes. 

How much does long-term care cost?

The cost of long-term care varies widely based on the type of care, location, and the level of care required. Home care services may cost less than care in a nursing home or assisted living facility. It is important to research and plan for these costs in advance. 

What are the options for paying for long-term care? 

Options for paying for long-term care include personal savings, long-term care insurance, Medicaid (for those who qualify), and in some cases, Medicare (for specific conditions and limited durations). Veterans may also have access to benefits through the Department of Veterans Affairs. 

Is long-term care covered by Medicare or Medicaid? 

Medicare does not cover most long-term care services, except for short-term care such as skilled nursing or rehabilitation following a hospital stay. Medicaid, on the other hand, covers long-term care for those with low income and limited assets, but eligibility requirements and covered services vary by state. 

What is long-term care insurance, and do I need it? 

Long-term care insurance is a policy that helps cover the cost of long-term care services. It can be beneficial if you want to protect your savings and assets and have more choices in the type of care you receive. It is typically purchased before health issues arise, usually in your 50s or 60s. 

What are the benefits of in-home care versus facility-based care?

In-home care allows individuals to receive care in the comfort of their own home, which can be less disruptive and more personalized. Facility-based care, such as in assisted living or nursing homes, provides more comprehensive support and medical supervision, which might be necessary for higher levels of care. 

How do I choose a long-term care facility? 

When choosing a long-term care facility, consider factors such as location, cost, services offered, staff qualifications, and the facility's reputation. Visiting the facility, reading reviews, and talking to current residents and their families can provide valuable insights. 

What legal documents should I have in place for long-term care?

Important legal documents include a durable power of attorney, a healthcare proxy, a living will, and an advance directive. These documents ensure that your wishes are respected and that a trusted person can make decisions on your behalf if you are unable to do so.