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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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What Exactly is Long-Term Care?
"...the care people need"

Long term care encompasses a variety of services that help people with chronic illnesses or other disabling conditions overcome limitations that keep them from being independent. It will not necessarily help to improve or correct medical problems, but it will help someone live with the condition they have. Long term care provides help with activities of daily living; bathing, dressing, toileting, continence, transferring, and eating.

Let's try to make this simple to understand. Activities of daily living are things that most of us do every day. What happens from the time you wake up?

  • Get out of bed or a chair-transferring
  • Use the facilities in the bathroom-toileting
  • Take a shower or bath-bathing
  • Put clothes on or off-dressing
  • Have a meal and get nourishment-eating
  • Control bowel and bladder movements-continence
  • If you need assistance or help with a couple of these for an extended period of time, you most likely would require long term care services. It is also possible that you could improve and no longer need these services.

    Many of these services are support rather than medical services. Therefore, medical plans most likely do not cover them. Also, these are considered chronic conditions rather than acute. Acute conditions are short in duration and usually don't last more than 90 days.

    Medical plans are based on acute care or your ability to recover quickly and move on with your life.

    So, now you must realize that it doesn't take very much to need long term care services.

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

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

    Places You Can Receive 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. Click here to read more...