Understanding Long-Term Care
Long-term care is not one-size-fits-all. Learn before you plan.
Long-term care covers a variety of services that help you with health or personal care needs over an extended period. Long-term care can supplement the services provided by your family or take the place of family care.
Although these everyday activities may seem mundane, they are essential to maintaining your independence. Your ability, or inability, to perform these regular activities of daily living give long-term care professionals and those in the insurance industry a very practical measure to use when deciding if you need long-term care. Activities of daily living, often referred to as ADLs, include such regular activities as:
- Using the toilet.
- Transferring to or from the bed or a chair.
- Caring for incontinence.
Identify your priorities.
- How will you pay for your long-term care expenses?
- Who will control your finances?
- Who will take care of you?
- Will you live at home or somewhere else?
Your needs are likely to change over time.
Most people need more extensive care as they get older. Having a plan in place helps ensure you have the resources to pay for the services you need. The earlier you begin planning, the easier it is to make sure you are covered.