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Monday, June 12, 2006

Long Term Care Insurance


Long-term care involves an assortment of services for people with a lingering physical illness, disability or cognitive disorder. Long-term care has different services and they are particularly intended at helping people with chronic conditions and compensate for limitations in their ability to function independently. Long-term care differs from traditional medical care.

Nursing homes offer care to people who cannot be cared for at home or in the community. They provide skilled nursing, rehabilitation services, meals, activities; aid with daily living, and supervision. Many nursing homes tender temporary or periodic care. Services include help with eating, bathing, dressing, toileting, medicine, transportation, laundry, and housekeeping. Social and recreational activities are afforded.

Home care can be given in your own home by family members, friends, volunteers, or paid professionals. This type of care can range from help with shopping to nursing care. Some short-term, skilled home care is covered by Medicare and is called home health care. Community services are services that can embrace adult day care, meal programs, senior centers, transportation, and other services.

The Federal Department of Housing and Urban Development (HUD) and State or local governments often develop such housing programs. Continuing care retirement communities (CCRC) endow with a range of services and care based on what each resident needs over time. Depending on the situation, care is provided in one of three main stages namely independent living assisted living and skilled nursing.

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