Long Term Care

What is Considered Long Term Care?

• A chronic illness usually lasting a year or more.
• When a family member becomes dependant or needs help with activities of daily living (ADL's):

Long Term Care Costs Don't Just Affect Those Over Age 65

• Accidents can happen at any age.
• Strokes, multiple sclerosis, Parkinson's disease, heart and lung problems for the middle aged.
• Birth disabilities.
• Arthritis, circulatory and negative effects from illness and injury.

• dressing
• bathing
• walking

• eating
• taking medication

Why Are Long Term Care Costs a Concern?

• Pass on as much as possible to estate for family or charitable organizations.
• Fear of outliving savings.
• Maintain standard of living for community.
• To maintain dignity and independence.

Depending on the Level of Care, One May Receive Help From:

• A family member (usually female).
• Assisted living.
• Nursing homes (last resort).
• Home health care agency.
• Adult foster care.
• Adult day care.