Long-term care offers a variety of services to meet a person’s health or personal care needs when they can no longer perform daily activities on their own.
Who needs long-term care?
It’s hard to know how long or what kind of care a person will need, but at some point, everyone needs long-term care.
You may need it after an accident, for a medical condition, or even as you get older and become frail. Your health insurance may cover long-term care services to help you maintain your lifestyle if it’s difficult for you to care for yourself.
Who can benefit from long term care?
• Families who want to protect their loved ones with their lifestyle.
• Retirees who want to keep their hard-earned valuables and monetary assets.
• Individuals who have no financial means and no one to care for them.
Paying for long term care?
Long-term care can be expensive. But it all depends on your financial situation, your eligibility for assistance programs, and the types of services you use. There are a variety of sources of payment, including:
• Personal funds, such as savings, pensions, or investments.
• Federal and state government programs, such as Medicare, Medicaid, and the U.S. Department of Veterans Affairs (VA). Visit Benefits.gov for more information.
• Private funding, such as long-term care insurance, reverse mortgages, certain life insurance policies, and others.
Types of long-term care
• Home-based care
Most home care services involve personal care to help with daily activities performed by family, neighbors or also by formal caregivers that can help with health care as well including nurses, therapist, home health aides, etc.
• Community and residential care
Day care and senior centers, or residential facilities like assisted living and nursing homes. These settings may include transportation, recreational activities, meals, medical services, etc.
At Adult Alternative Home Care we understand that you have spent many years working hard for yourself and your family, and that the ideal would be to grow old in your own home, cared for by your loved ones, but we also understand that you cannot always access the best care due to a condition, physical and health changes or the availability of your family, which may force you to look for other care alternatives. We care about your dignity, and it is our priority to provide you with the best care. We can help you answer any question you may have about home care. To get started, request a consultation with us at 908-590-1759. It’s free and no obligation.
Resources:
https://www.nia.nih.gov/health/long-term-care/paying-long-term-care
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