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Carla (Full Site) Workman, LTCP
LTC Insurance Advisors
Long Term Care Specialist
Tallahassee, FL
(850) 656-2433 Phone



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Places You Can Recieve Long-Term Care

If you were told that most people would prefer to have care in their own home, I don't think that you would be surprised. Care can be given in a variety of settings, including home, adult day care, assisted living and nursing home. Let's take a look at each one.

Home Care

Home Care Services are household services provided by someone other than yourself when you are unable to do them. They are basic services provided in the home to help a person with a chronic illness or disability to be as independent as possible. It is mostly provided at the custodial level of care, although as you require higher levels of care, the cost can increase dramatically.

Most long-term care insurance policies today provide home care with varying coverage. You may need as little as one day of care per week or 24 hour care. The types of services may include:

  •      nursing   
  •      personal care   
  •      homemaker or chore services   
  •      shopping   
  •      planning menus, preparing meals, home delivered meals   
  •      laundry, light house cleaning and maintenance.     
  •      physical, occupational or physical therapy.     

Adult Day Care

Adult Day Care is also known as Senior Day Care. Care can consist of services ranging from basic to comprehensive for functionally and/or cognitively impaired adults. The care is typically at a custodial level. Usually meals and activities are provided. The care is available at a center usually open during normal business hours, so don't expect weekends. It gives a break to caregivers, such as family members, to have some time to themselves or to be at work. It also allows the impaired adult to reside at home for a longer period of time. They may not be available in all communities.

There are two types of Adult Day Care:

  •      Adult Day Health, necessary care by health care professionals   
  •      Adult Day Social, social interaction, activities, meals and outings   

Assisted Living Facilities

The Assisted Living Federation of America (ALFA) defines an Assisted Living residence as a special combination of housing, personalized supportive services and health care designed to meet the needs -- both scheduled and unscheduled -- of those who need help with activities of daily living.

"Assisted living" is a general term for living arrangements in which some services are available to residents who still live independently within the assisted living complex. In most cases, assisted living residents pay a regular monthly rent, and then pay additional fees for the services that they require.

Currently, more than a million Americans live in an estimated 20,000 Assisted Living residences. Assisted Living residents can be young or old, affluent or low income, frail or disabled.

Assisted Living residences can range from a high-rise apartment complex to a converted Victorian home to a renovated school. Residences may be free standing or housed with other residential options, such as independent living or nursing care. They may be operated by non-profit or for-profit companies. Most facilities have between 25 and 120 units. There is no single blueprint, because consumers' preferences and needs vary widely. Units may vary in size from one room to a full apartment.

Services provided in Assisted Living residences usually include:

  • Three meals a day served in a common dining area
  • Housekeeping services
  • Transportation
  • Assistance with eating, bathing, dressing, toileting and walking
  • Access to health and medical services
  • 24-hour security and staff availability
  • Emergency call systems for each resident's unit
  • Health promotion and exercise programs
  • Medication management
  • Personal laundry services
  • Social and recreational activities

Residents or their families generally pay the cost of care from their own financial resources. Most long term care insurance plans pay for these facilities if the insured meets the policy requirements.

Nursing Home

A Nursing Home is a residence that provides a room, skilled nursing and rehabilitative care, medical services, and protective supervision to residents. It also provides residents with help with daily living and recreational activities.

Nursing homes are certified by State and Federal government agencies to provide levels of care which range from custodial care to skilled nursing care that can only be delivered by trained professionals. (Source : HCFA)

There are three general levels of care provided:

  •      Basic or Custodial- Aid with a resident's activities of daily living ( eating, dressing, bathing, bathroom, getting out of bed, moving around)   
  •      Skilled - Care provided by a registered nurse or therapist required in the administration of medical procedures, rehabilitative and maintenance therapies.   
  •      Sub-acute or Intermediate - A level of care for patients who do not need to be in an acute care hospital but still need skilled nursing before discharge to a lower level of care.   

Skilled Nursing Facilities are usually made up of two sections.

One is a unit that provides skilled nursing care for those who are recovering from surgery or other physical condition. The goal of this unit is to help those who have been admitted to get well enough to go home and return to normal living. The care provided here is usually covered by Medicare or other medical insurance.

The other part of this facility are for those who are unable to return home and take up living independently again. This is for long term care. They are then moved to this section where they receive non-skilled custodial care. This is not covered by Medicare. These patients may not have any family to help them, or support services in the community which would allow them to leave the facility. This must be paid out of your own resources.

Find Out More...
Types of Long-Term Care What are the levels of Long Term Care that are available? Click her to find out more...

Why is Long-Term Care Such a Problem? Medical technology today is more advanced than it was even a few years ago. More people are living longer, but they are not necessarily living healthier. Many are faced with having to pay medical and care expenses for a longer period of time. Learn more by clicking here...

Who Pays for Long-Term Care? The answer is simple: Click here to read more...