Who Needs Long-Term Care?

Identify your best LTC solution by researching the level of care and support you will need:

Perhaps you want to spend your retirement without worrying about taking care of your house and lawn, driving or fixing meals. Or maybe you want to live with your age group. If so, you can take advantage of the Long Term Care services assisted living facilities offer. You may find it a more comfortable, enjoyable place to live than your home or the home of a loved one. There, your meals will be prepared, transportation provided and your apartment will be cleaned. Social activities are also an attractive feature of assisted living facilities.

If you need some assistance with daily living but want to remain in your home, Long Term Care providers can help you do that too. Family members and friends can participate in this care as well. They can work with skilled and other custodial care providers daily and/or weekly to help you live at home for as long and as comfortably as possible.

There are also adult day care services that offer part-time care, supervision and social activity. Taking advantage of this service can help prevent caretaker burn out. Full or part time adult day care is also helpful in the many instances when a caregiver is also elderly or in poor health, which is often the case. Historically, caregivers of this nature may be spouses, siblings, or friends, and so are frequently of a similar age and health condition.

For people suffering from Alzheimer’s or senility, there are both assisted living and nursing home facilities that specialize in these conditions. Chronically ill or severely debilitated people may opt for an extended care facility, nursing home, in-home care or hospice. The appropriate care solution for you will depend on both the circumstance of your illness and the level of insurance coverage you have purchased.

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Statistics show that we all may either become LTC-givers or need LTC ourselves:

• 43% of people 65 and over will stay in a nursing home at some point in their life. 
• 50% of all couples and 70% of singles are impoverished within a year of entering a nursing home.
• 4 of every 5 Long Term Care patients receive care at home. 
• Eldercare givers cost companies approximately $17 billion a year or $3,142 per employee due to time missed from work to take care of loved ones.
• By 2020, one in three of us will be eldercare givers.

If you want to secure your assets and protect your future, start comparing LTC policies today. This is especially important if you have a family history of serious illness. We all like to think nothing will ever happen to us or our loved ones, but we really never know.

It is also especially important to apply for LTC insurance now, while you are still healthy. If you wait to apply until you have an immediate Long Term Care need, it may be very difficult to obtain coverage. At that point your only option may be through Medicaid, but this reliance on government support also limits the amount of control a patient has over his or her care. Don’t put it making these important choices today; they may be your most important decisions for tomorrow.

Request an instant online quote on LTC coverage in your area >>

Long-Term-Care.org is not a long term care insurance broker or carrier, and we cannot issue insurance policies. We are not associated with the companies profiled on Long-Term-Care.org and we make no representation, express or implied, that you will receive a quote from a specific company profiled herein. This site provides free information on insurance providers and coverage options. Products and policies may not be available in all states, and product and policy information is subject to change without notice. Please direct all insurance questions to your insurance company or broker.