WHAT YOU SHOULD KNOW

Long-term care encompasses the range of services and assistance provided to individuals who, due to a disability or decline in function, require help with daily living activities and/or nursing care over an extended period. These services can range from home-based support to institutional care in nursing homes or assisted living facilities.

It pays for services like nursing homes, assisted living, or in-home care. Medicare doesn’t cover most long-term care. It helps protect retirement savings and eases the burden on family.

WHAT CAN LONG-TERM CARE DO?

Needs: Long-term care addresses the needs of individuals who require help with activities of daily living (ADLs) such as bathing, dressing, eating, and using the toilet. It also includes individuals who need support with independent living activities like meal preparation, managing finances, and light or heavy housework.

Purpose: The goal of long-term care is to improve an individual’s personal functioning, independence, and quality of life.

Long-term care includes a variety of services, including:

Home health care: Providing care in the individual’s home, including nursing care, personal care, and therapy.

Home health care: Providing care in the individual’s home, including nursing care, personal care, and therapy.
Assisted living facilities: Residential settings offering supervision and assistance with ADLs.
Nursing homes: Providing comprehensive medical and nursing care in a residential setting.
Community-based services: Support services that help individuals stay in their homes, such as respite care, transportation, and adult day care.