In-depth Discussions: Everything You Need to Know About Long Term Care

Long term care, for many individuals, is still a vague concept. Because of this, many individuals end up delaying planning for the possible repercussions. After all, it is not secret that cost of long term care in the country is reaching new heights. Combine that with the fact that 70% of individuals turning 65 will, at some point, require care services, and we have an urgent and potentially disastrous situation on our hands.


This is why Finance for Health seeks to address these issues. We still have time to cover our future; we only need to start now. The confusion and lack of urgency must be changed. To do so, we have gathered in-depth information on what long term care is and how people can navigate it.


If you have any questions and inquiries, please feel free to let us know in the comments section. Let us all work towards a secure future in long term care.

long term care

What is long term care and where can you get it?

Long term care is a combination of a wide range of medical or non-medical services is needed for an extended period due to a disability or chronic condition.


Long term care services include:

  • Medical services such as therapies and nursing care.
  • Non-medical services including activities of daily living (ADLs) such as dressing, bathing, getting in and out of bed, preparing meals, or taking medicine.


Long term care services are based on the needs of the patient or recipient of care. It may involve a medical professional to determine if a patient needs either medical or non-medical care.


Contrary to popular belief, these services are not exclusively provided in nursing home facilities. Long term care providers help evaluate the condition of the recipient and identify how and where the care will be administered.


Long term care can be provided in different settings. This includes:

  • Nursing homes
  • At home or in-home care
  • Adult day care centers
  • Arranged group living settings with supportive services


Long term care is designed to cover the needs of people who cannot survive alone for an undetermined length of time. Long term care is not a cure, but a means to continue living as normal as possible.


What factors increase the risks for needing long term care?

Several factors affect the risks of needing long term care. Most of these can be controlled while others are genetic.


Though many other factors influence the risk of needing care, here are the basic ones:


Gender Women are observed to outlive men. This means that women have a higher chance of needing long term care.
Health Health can be controlled through lifestyle. However, there are cases where people have genetic or hereditary disorders that cannot be controlled.
Life expectancy The longer an individual lives, the higher the chances of needing long term care, especially in the later years.
Legal status Single adults have higher risks of needing long term care in retirement. Married couples may have children who can give informal care to their retired parents.

What services are included in a nursing home stay?

Nursing homes have several types of care and these are:


Custodial or Personal Care People who provide this type of care are focused on meeting the personal needs of the patient, mainly with eating and grooming.
Intermediate Care Intermediate care is considered as an alternative to hospital care for elderly patients. This type is basic care and it includes emotional, physical, social and other services which are all administered under medical supervision.
Skilled Nursing Care


Skilled nursing care involves a single or a group of trained professionals performing services that are required temporarily because of a health condition, disability, or an injury. It includes professionals such as licensed practical nurses or registered nurses.


Not all nursing homes offer all of the services or types of care. It is advised to visit several nursing facilities to find out which center offers the services that are needed.


What is community-based long term care?

Community-based long term care is aimed at bringing the service close to the recipient of care. It can be administered at home or a location in the community. Community-based long term care can be provided by social service agency, local government, or a private insurance company.


Community-based long term care services include:


Respite Care Respite care is the supervision, provision of personal care, or other services to a physically or mentally disabled individual in order to provide a temporary relieve a caregiver or a family member from caregiving duties.


Respite care services are provided in-home or in a nursing facility.

Assisted Living Facility Assisted living facility is a residential facility that provides personal, supportive, or nursing services. Supportive services may include assistance with cooking and feeding, house maintenance, laundry, and transportation. Personal services are hands-on support with ADLs.
Hospice Care Hospice care is a specially designed to provide medical and social services. These focus on symptom management, pain relief, and supportive services to people who are terminally ill as well as their families.
Adult Day Care Adult day care is given in a non-residential, community-based program designed to answer the needs of disabled or elderly individuals. This type of care is a compound program that gives a variety of social, health, and related support services during any time of the day.


How can I pay for long term care?

There are several ways to pay for long term care and these include:

  • Long term care insurance
  • Out of pocket
  • Medicaid or Medicare
  • Long term care riders in life insurance policies


In considering your options, be sure to take into account your needs and the assets that you need to protect.




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