Long Term Care

Helping to Meet Health or Personal Needs

Most Americans think Long Term Care won’t be necessary, however large percentages of people over age 65 will.

  • 70% of seniors are expected to require some form of long term care
  • 40% of seniors are most likely going to require nursing home care

Long Term Care

The good news is that there are Long Term Care options available to help seniors, when/if the time comes, including a wide variety of settings in which this care may be delivered. 

The Centers for Medicare and Medicaid Services States:

“Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom.”

Eligibility for Long Term Care services and insurance benefits usually requires that an individual:

  • Be unable to perform, without substantial assistance, a certain number of activities commonly considered essential to normal living (activities known as activities of daily living, or ADLs)
  • Have a severe cognitive impairment

ADLs and their common definitions are:

  • Bathing – the ability to wash oneself by sponge bath or in a tub or shower, including the activity of entering and leaving the tub or shower
  • Continence – the ability to maintain control of bowel and bladder function and adequately perform associated personal hygiene, including, if required, caring for a catheter or colostomy bag
  • Dressing – the ability to put on and remove all clothing and required braces, fasteners, and artificial limbs
  • Eating – the ability to feed oneself intravenously or through use of a plate, cup, or feeding tube
  • Toileting – the ability to travel to and from the bathroom, get on and off the toilet, and perform associated personal hygiene
  • Transferring – the ability to move to or from a bed, chair, or wheelchair

We Can Help You

Fill out the form on this page and one of our local agents will arrange an appointment to help you understand your Long Term Care options.