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What is long-term care?

Long-Term Care services are those services designed to assist someone who has lost some or all of the ability to care for himself or herself due to an illness, an accident or simply the frailty of aging.

Long-term care includes a wide range of services which help people maintain the normal activities of daily living; activities like bathing, continence, dressing, eating, toileting and transferring (like moving from a bed to a chair or from a chair to standing, etc.). Long-term care services can be provided in your home, in and through community resources or in a formal setting such as a nursing home or assisted living facility.

LTC Insurance

Long-Term Care Insurance provides funds to help you cover long-term care costs in the same manner Health Insurance provides financial coverage for doctor's visits and hospital bills.


LTC Services

To understand how long-term care services are provided, it is first important to understand the overall concept of Long-Term Care.


Home Health Care

Simply put, Home Health Care is exactly what the name implies - long-term care services provided in your home.


Community Care

Community Care goes hand in hand with Home Health Care. Whereas Home Health Care is designed to be provided in the home, Community Care is provided in community resources - outside the home - on a temporary basis with the understanding that the individual requiring care will continue to reside in his or her own home. Additionally, Community Care allows those receiving care to live at home longer by providing a break for the primary caregiver.
  • Adult Day Care facilities are equipped to handle adults who need care due to a loss of cognitive ability or loss of ability to perform activities of daily living. Activities of Daily Living are the normal functions one must perform to be able to make it through the day. These include bathing, continence, dressing, eating, toileting, and transferring (moving from a bed to a chair, for instance). Some states require that the definition of the transferring Activity of Daily Living include mobility or the ability to move with or without the use of an assistive device like a cane or walker.
  • Respite Care is short-term care designed to provide temporary relief for a primary caregiver who cares for the insured in the home. Many times, Respite Care is provided in a nursing home or assisted living facility that accepts respite care patients.

When care at home or in the community is no longer an option, Assisted Living Facilities and Nursing Facilities may be considered.