Long-term care is defined as the assistance needed when we are unable to care for ourselves due to chronic illness, physical injury, cognitive (mental) impairment, or frailty.
Healthcare professionals, health insurance providers, HMO’s, and Medicare classify this type of care as custodial care, as opposed to acute or rehabilitative care.
The focus of long-term care is on assistance with the normal activities of daily living, including:
- Getting around inside and outside of the home.
- Bathing, dressing, toileting, personal hygiene, and eating.
- Assistance needed with the associated activities of daily living, such as using the telephone, preparing meals, paying bills, shopping, transportation, and housekeeping.
- Help with activities necessary to remain at home, participating in an adult day care program, residing in an assisted living center or receiving skilled care in a nursing facility.
Author: Cindy Eisenhower
Cindy Eisenhower is a successful Long-Term Care sales professional with over twenty years of LTC Insurance experience.