top of page

What Is Long Term Care?


long-term care

A lot of people don’t realize how important long-term care is, simply because nobody likes to think about getting old and needing help with everyday tasks. However, it is a very important part of the aging process, and it’s something that everyone should be prepared for, both emotionally and financially. To help spread awareness about this subject, November has been designated as Long-Term Care Protection Awareness Month.

What Does Long-Term Care Refer To?

When a person grows older, they may eventually reach a point where they can no longer take care of themselves. That could be due to several different factors, such as age-related illnesses, cognitive decline, or physical impairments. When someone reaches this point, they will likely need help with activities of daily living, such as bathing, dressing, eating, and using the restroom.

It’s important to note that this is not considered medical care; it’s considered “personal” care. Not only can it include activities of daily living, but it can also include managing a person’s finances, helping them take their medication, performing their housework, and more. Long-term care is generally provided by unpaid caregivers, such as family members, although nurses who provide home care aid can also give such care.

Preparing for Care

According to the ACL, persons turning 65 today will have a 70% chance of needing long-term care at some point in the future. Considering that 80% of caregivers are unpaid and spend an average of 20 hours a week caring for family members who need care, this can have severe financial implications for both the caregiver and the person receiving care.

That is why planning ahead for care needs is so important. One way to do this is to purchase long-term care insurance, which can help cover the cost of personal care services. It’s important to do your research and compare different policies before making a purchase, as coverage and costs can vary greatly.

For more health information and advice, be sure to visit us at The Benefits Store today.

Commentaires


(800) 446-2663

CA Insurance License #0680704
 

Corporate:
32605 Temecula Pkwy
Suite 102
Temecula, CA 94592

Operations:
P.O.Box 238
Alamo, Ca. 94507

Disclaimer: This Web site is owned and maintained by Benefits Store Insurance Services, Inc., which is solely responsible for its content. 

This site is not maintained by or affiliated with Kaiser Permanente, and Kaiser Permanente bears no responsibility for its content.  The e-mail addresses and telephone numbers that appear throughout this site belong to Benefits Store Insurance Services, Inc., and cannot be used to contact Kaiser Permanente.

This site is not maintained by or affiliated with Anthem Blue Cross, and Anthem Blue Cross bears no responsibility for its content.  The e-mail addresses and telephone numbers that appear throughout this site belong to Benefits Store Insurance Services, Inc., and cannot be used to contact Anthem Blue Cross.

bottom of page