When to look at Long Term Care Insurance

Long term insurance is available for people who will be diagnosed with extended physical illness or conditions, those with disability issues, or who suffer from cognitive disorders. There are a variety of services that accommodate those who suffer chronically and will be required to invest in long-term care expenses. Long term care is not like ordinary medical care in that it was developed to help people who have a limited level of functioning that goes beyond traditional medical costs. Long term care insurance is used to cover the cost of these facilities services.

When evaluating insurance to cover events requiring long-term care, you need to know the types of long term care that is available for your situation. Here are some descriptions of the type of care you may be facing:

Assisted Living Centers
These centers provide 24 hour supervision that includes daily medical assistance, daily meals, and typical health care management that is situated in an environment similar to home than a hospital. Staff at these centers will help residents with daily duties they may not be able to manage on their own, including bathing, eating, getting dressed, taking medications, errands, and housekeeping. Typically there are social activities planned and executed regularly to keep residents social and active.

Nursing Homes
Nursing homes provide constant care to those who are unable to be cared for at home or elsewhere. Nursing homes are like a hospital in that there are 24 skilled nursing care, medication distribution, and rehabilitation services. Like assisted living centers, there are typically recreational activities available as well as assistance with daily tasks such as bathing and eating.

Community Care Programs
Many areas include a program that assists the elderly, ill, or disabled by providing day care services, meals, transportation, and medical supervision. These services are available to those still living at home. Their mission is to help those afflicted with medical issues be able to continue to live in the community. The provide social, mental, and health support and other related services throughout the day for those in need. They may also supplement care that is already being provided by family and friends.

Home-Based Care
For those still living at home, home care may be an option. Skilled nurses, assistance staff, and family and friends all contribute to home care. Depending on the level of dependence a person requires, home care services can accommodate many types of services from help with housework to nursing health care.

Continuing Care Retirement Communities
These communities allow you to remain active and independent but still provides a range of care and services that residents will require over time. Typically, continuing care facilities operate on three levels: independent living, assisted living, and skilled nursing. Depending on the health and abilities of each resident, care will be adjusted and provided accordingly.

After reviewing these types of continued care, you can make more informed decisions about about future healthcare and will aid in planning for that future ahead of time.