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Where can you receive long-term care?

Posted by Matt Dean | Feb 11, 2016 10:01:22 AM

LTCI_Grandmother_holding_hands_with_granddaughter.jpegWe hear this question quite a bit because many people immediately think of skilled nursing facilities when they think of long-term care. But that’s not the only option.

It might surprise you, but most long-term care is provided in the home. In fact, about 80 percent of people over the age of 65 that receive long-term care live in a private home or residential community geared towards their needs. From private home care to skilled nursing facilities, there are many options in between where long-term care can be administered. Let’s take a look:

  • Home care: With home care, the person remains at home to receive care from an informal caregiver such as a family member, or a formal caregiver. An in-home caregiver could be an aide, therapist or another individual who provides assistance with activities of daily living (ADLs), such as bathing, dressing and helping around the house.
  • Adult day care services: Participants in adult day care reside at home but go to another facility during the day that provides a variety of support services, including health and social services, within a supervised setting.
  • Assisted living: In this setting, individuals live in apartment-style units where personal care and other services are made available on an “as needed” basis.
  • Skilled nursing: A 24/7 care facility that offers a full range of care options including skilled care, personal care and rehabilitation, as well as daily activities.

For many of us, home is where we would ideally like to live for as long as possible, even when receiving some kind of care. That is why it is important to take time to think about your future lifestyle preferences from the full spectrum of options available as you plan for what the future might bring. 

WATCH: Where You Live Matters

 

Related blog posts:

Skilled vs. custodial care – what’s the difference?

Six Frequently Asked Questions About Long-Term Care Insurance - Part One

Six Frequently Asked Questions about Long-Term Care Insurance - Part Two

Topics: Educational Content for Consumers

Written by Matt Dean

Matt Dean, Vice President, MarketPlace Group (MPG), joined LTCI Partners in June 2011. He is responsible for the structure, implementation, and management of sales initiatives. He leads a national sales force of salaried insurance specialists who, through a virtual kitchen-table conversation, provide needs-based advice and guidance to help consumers plan for the financial consequences of a long term care event. Matt brings 24 years of insurance experience at USAA, where he was responsible for a number of health insurance product lines. Matt is a graduate of the University of Texas at San Antonio with a BBA in Finance, is a licensed life and health insurance agent, and holds various professional designations. He and his wife are active in the Prader-Willi Syndrome (PWS) Association on behalf of their son, Tanner, who has PWS.

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