Just beginning to think about long term care? Protect your family and make your decisions known to them. Long term care is more than just insurance.
Many people think the phrase “long term-care” refers to an insurance policy. While insurance may be part of your strategy, long term care encompasses everything from long term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.
Long term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living, such as:
* Using the toilet
* Transferring (to or from bed or chair)
* Caring for incontinence
Other common long term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living, including:
* Managing money
* Taking medication
* Preparing and cleaning up after meals
* Shopping for groceries or clothes
* Using the telephone or other communication devices
* Caring for pets
* Responding to emergency alerts such as fire alarms
If you are just beginning to think about long-term care, visit the U.S. Department of Health and Human Services website and get answers to important questions such as:
* Who Needs Care?
* How Much Care Will You Need?
* Who Will Provide Your Care?
* Where Can You Receive Care?
* Who Pays for Long-Term Care?
* Long-term Care Considerations for LGBT Adults
* Housing Considerations
Protect your family by thinking ahead and making your decisions known. Long term care is more than just insurance.
Photo: Connie Ma