Long Term Care
Long Term Care Insurance
Long-term care usually means supervision or assistance with everyday tasks like bathing and dressing and does not require a licensed person to provide those services. Some of these elder care insurance policies only pay for care in institutional settings such as a nursing home or an assisted living facility, while some only pay for home care. However, there are more comprehensive policies like nursing home insurance, which pays for care in a nursing home, assisted living facility, at home, or in community settings like adult day care.
Where Can You Receive Care?
Most long-term care is provided at home. Other kinds of long-term care services and supports are provided by community service organizations and in long-term care facilities.
Examples of home care services include:
- An unpaid caregiver who may be a family member or friend
- A nurse, home health or home care aide, and/or therapist who comes to the home
Community support services include:
- Adult day care service centers
- Transportation services
- Home care agencies that provide services on a daily basis or as needed
Often these services supplement the care you receive at home or provide time off for your family caregivers.
Outside the home, a variety of facility-based programs offer more options:
- Nursing homes provide the most comprehensive range of services, including nursing care and 24-hour supervision
- Other facility-based choices include assisted living, board and care homes, and continuing care retirement communities. With these providers, the level of choice over who delivers your care varies by the type of facility. You may not get to choose who will deliver services, and you may have limited say in when they arrive.