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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. More specifically, Home Health Care is care administered in the home by family members or friends with assistance from professional caregivers. For example, a husband taking care of his wife would be considered the primary caregiver and Home Health Care would include any professional and informal caregivers that assist in the home.

Home Health Care Providers offer two types of services:
  • Skilled or Professional Caregivers Caregivers include Registered Nurses and Physical, Occupational and Speech Therapists. These are licensed and trained individuals who come into the insured's home and provide a specific service. Once they have completed their task, they leave. Usually their stay will not be much longer than an hour.
  • Custodial or Informal Caregivers include Home Health Aides, Personal Care Attendants and Certified Nursing Assistants. Their help would consist of services like preparing meals, light housecleaning, doing laundry and assisting with baths and personal hygiene. They generally spend 4 to 8 hours daily with the patient. These services may also be provided by family members or friends.
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...



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