Long Term Care, Its Role And Objective
Long term care, its role and objectives have been set by the Federal government on a national basis. Long-term care is a range of services and supports to meet health or personal care over a longer period. Most long-term care is non-skilled personal care assistance such as help performing basic daily living activities (ADLs) which include bathing, dressing, using the toilet, eating and the likes.
The objective of long-term services is to help particular individuals maximize their independence and functioning at a time when they cannot be totally independent. And this aim focuses on people who unfortunately have chronic illness or disability that causes you to need assistance with Activities of Daily Living. Even those with cognitive impairment and Alzheimer’s disease need long term care services, specifically pertaining to persons experiencing memory loss, confusion or disorientation.
Studies reveal there will be a great boom with the number of Americans age 65 and older who will need long term care services. Although most people who need long-term care over 65 years, a person may need long term care services at any age. Forty (40) percent of people currently receiving long-term care are adults 18 to 64.
This in effect leads to crucial identifying the risks of needing long term care services. About 70 percent of people over age 65 will take at least one type of long-term care in their lives. More than 40 percent require care in a nursing home for a period of time. Factors that increase the risk of needing long term care are age, marital status, gender, lifestyle, and health history.
This impending issue brought growth to more long term care insurance developments which are designed to provide coverage for one or more necessary diagnostic, preventive, therapeutic, rehabilitation, maintenance or personal care. Services must be provided in a setting like a nursing home, community or the patient’s home and not in an emergency department of a hospital.
Also, it covers part or all of the cost of custodial care of people who are no longer able to care for themselves. This type of care includes people affected by accidents, injuries or illness and is not limited to the elderly.
LTC insurance has always been set aside by people who think it is not important. But the truth is, it is very essential to acquire. Therefore, planning in advance of this possibility should be prepared and well thought out. Most of the time, people first learn about long term care when they or a loved one needs care. So, your options are limited by the lack of information, the immediate need of services and resources to pay for preferred services. Planning ahead gives you more control over their future.
Long-term care is a range of services and supports to meet health or personal care over a longer period. Most long-term care is non-skilled personal care assistance such as help performing basic daily living activities (ADLs) which include bathing, dressing, using the toilet, eating and the likes.
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