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What is 'long-term care'?

 

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.

 

Source:  Insurance Information Institute  www.iii.org

 

 

Long-Term Care Insurance

 

Long-term care (LTC) insurance pays for services to help individuals who are unable to perform certain activities of daily living without assistance or require supervision due to a cognitive impairment such as Alzheimer’s disease. There is a common misconception that LTC is primarily geared toward the elderly. A November 2009 survey by the insurer UNUM revealed that the average age of someone purchasing group LTC insurance was 43 in 2008 and that California, Wisconsin, Illinois, New York and Missouri were the top states for LTC policies. Nearly 5 million people were covered by long-term care insurance in 2009, according to a study by LIMRA International. The average first-year premium for individual LTC coverage purchased in 2009 was $2,181, unchanged from 2008, according to LIMRA.

Source:  Insurance Information Institute  www.iii.org

VIDEO: Stop / Play  Long Term Care Insurance