Long term care insurance provides people long term cost compensation of care. Long term care helps senior people to perform their activities of daily living (ADLs).These activities for which they receive help are daily performed like dressing, toileting, bathing, eating and walking.
Long term insurance is provided by private companies. It helps to pay skilled and non-skilled types of long term care.
Long term care insurance protects your assets and you from sudden medical expenses
Long term care insurance policies vary in coverage types. Some cover medical equipments and skilled care while some may cover home health care or nursing home health care. Long term care insurance does not replace Medicare.
Long term care can be provided at home, at nursing home, assisted living, in community living.
The long term care activities include from daily activities to full time care.
Adult Day Care-Adult day cares are centers for rehabilitation of elderly people who need a protective shelter. In this adult is taken care and assisted during daytime and return home in the evening.
Assisted Living Facilities-These are residential quarters which offer help in daily activities for people who need long term care. Supervision of patients and medication management is given to people with chronic illness like Parkinson’s and Alzheimer’s is also a part of assisted living facilities.
Continuing Care Retirement Communities-Care is given according to the residential person’s needs.
Custodial care-Help in daily activities.
Residential care-Independent residential living with recreational activities.
Skilled nursing- High level care is taken with the help of skilled nurses and doctor’s supervision.