Health & Life Strategies - Erica Reibrich

Long-Term Care Long-term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long-term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are:

According to a 2007 Genworth Financial survey, the average cost for a private room in a nursing home for one year was $74,806. This nursing home cost will more than double in 15 years if the current growth rate in nursing home costs continues. At least 70 percent of people over age 65 will require some long-term care services at some point in their lives. And, contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of long-term care services that most people need - help with personal care such as dressing or using the bathroom independently. Planning is essential for you to be able to get the care you might need. Quality long-term care insurance is a means of protecting your financial independence against the event of costly long-term care in the future. It may help you avoid becoming dependent on your family as you age and become unable to take care of yourself. Long Term Care Insurance may give you the freedom to pick the long-term care services you prefer, such as choosing a nursing home. The policy may cover more than nursing homes, such as home care, adult day care, assisted living, etc. Long Term Care Insurance will help you avoid Medicaid and premiums can be treated as qualified medical expenses for tax purposes. If you need long-term care, you may need one or more of the following:

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Bathing

Dressing

Eating

Using the toilet

Transferring to bed/chair

Caring for incontinence

The goal of long-term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent. Care or assistance with activities of daily living in your home from an unpaid caregiver who can be a family member or friend

Services at your home from a nurse, home health/home care aide, therapist, or homemaker

Care in the community

Care in any of a variety of long-term facilities

Many people who need long-term care develop the need for care gradually. They may begin needing care only a few times a week or one or two times a day, for example, help with bathing or dressing. Care needs often progress as you age or as your chronic illness or disability become more debilitating, causing you to need care on a more continual basis, for example help using the toilet or ongoing supervision because of a progressive condition such as Alzheimer’s disease. Some people need long-term care in a facility for a relatively short period of time while they are recovering from a sudden illness or injury, and then may be able to be cared for at home. Others may need long-term care services on an on-going basis, for example someone who is disabled from a severe stroke. Some people may need to move to a nursing home or other type of facility-based setting for more extensive care or supervision if their needs can no longer be met at home. Let Health and Life Strategies help you design a solution that fits your needs. Contact us today for a quote.

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