Care Options: Levels of LTC - Formal Caregivers
For individuals whose care and support requires a higher level of attention and medical aid, formal caregivers are a logical solution. Although the majority of caregivers historically fall under an informal classification, the role of these providers is still important within the scope of LTC choices.
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Primary Elements of Formal Care
This category typically applies to individuals who work in either private homes or LTC facilities, and are coordinated through an established service system. Some are volunteers, others are paid care providers.
The settings formal caregivers work in and through include:
Not all recipients of formal care need constant care. Many live in assisted living facilities, for example, because they need limited assistance and want to be with others their age. There are also Alzheimer’s assisted living facilities for those who suffer the condition but are not yet in need of constant care.
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Benefits of Formal Care
Assisted living facilities are also good residence choices for people who anticipate a time when they may need the more intensive care. Full time care is often available in a separate wing of the same facility that provides daily living.
Nurses provide the majority of formal long-term non-acute care to the elderly. Physicians are directly involved as medical directors of nursing homes or home health agencies.
Though therapists do work as formal LTC providers, most often rehabilitation is administered by para-professional workers. These are certified nursing assistants or home care workers who assist in this and other ways with personal care and managing daily life. The cost of formal LTC can be very high and Medicare, Medicaid and health insurance cannot be relied upon to cover these costs. Long-Term Care insurance is crucial if you want to protect your assets and your families’ financial future.
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