What is LTC?

What exactly is Long Term Care (LTC)?

  • Long Term Care (LTC) is personal care and related services provided on an extended basis to people unable to perform functions of daily living due to illness or injury, or those who need supervision due to severe cognitive impairment.
  • LTC may involve assistance with such physical activities as dressing, bathing, toileting, eating, mobility, etc., or it may involve supervision and care because of memory loss from dementia or Alzheimer’s disease.
  • LTC provides assistance with your activities of daily living at home, in assisted living, or in a skilled nursing facility, and is different from medical care, provided by a nurse, doctor or hospital.

How likely is it that I, or a loved one, will need Long Term Care?

According to U.S.Department of Health and Human Services National Clearing House for Long Term Care Information

  • At least 70% of people over age 65 will require some long-term care
  • Of those who need long-term care, 40% are under age 65

In addition to the normal process of aging, some medical conditions which often necessitate LTC include:

  • Stroke
  • Alzheimer’s disease
  • Rheumatoid arthritis
  • Vehicle accidents
  • Multiple sclerosis
  • Diabetes
  • Parkinson’s disease
  • Sports Injuries or falls
  • Cancer
  • HIV/AIDS

Is there a family history of any of these diseases? Does your diet or lifestyle put you at risk for developing a long term debilitating disease? IT’S TIME TO START THINKING ABOUT LTC!

What types of Long-Term Care are available?

Long-term care services can be home-based or provided at a facility, for a person of any age.

In your home, care can be delivered by:

  • long-term-care-planningPersonal Care Assistants or Companions for household tasks like cleaning, cooking, running errands
  • Home Health Aides for personal care such as bathing and dressing
  • Nurses for support IVs, medications, more complex health issues

Facilities which can provide LTC include:

  • Adult Day Health Care for daytime social and therapeutic activities
  • Assisted Living for independent living with on-site support for activities of daily living.
  • Nursing Homes for more skilled and intense care, supervision, medication, therapies, and rehabilitation

“With her exceptional knowledge of the nuances of the long-term care insurance industry and her many years of experience, Jody has been a tremendous resource to my staff, my clients, their family members, and even to my own family and friends. She is generous with her time, caring in her approach, and works with the utmost integrity. Jody is passionate about helping people maximize their quality of life through the most efficient use of their resources.” A. A., MSW/MPH, CMC