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Long-term care (LTC) policies are intended to help individuals, especially those up in age, with daily living or personal care activities, such as getting dressed, bathing or feeding themselves, when they can no longer perform such activities themselves without assistance.
LTC can be provided at home or in a nursing facility. A LTC policy must provide coverage for at least 12 consecutive months.
Some policies cover all levels of care, while others only cover a specific level of care. Long Term Care policies that cover all levels of care provide more advantages for the insured.
SKILLED CARE
Nursing care and rehabilitation needed on a daily basis. Skilled care is typically performed in a medical facility by medical professionals.
INTERMEDIATE CARE
Nursing care and rehabilitation needed on an occasional basis. Care is provided by a medical professional under a physician’s orders.
CUSTODIAL & RESIDENTIAL CARE
Care provided to assist an individual with activities of daily living. Care can be performed by a non-medical professional, under physician’s orders.
HOME HEALTH CARE
Care provided at an individual’s home. Care may include physical therapy, assistance with an activity of daily living, but generally, the individual is capable of functioning independently.
ADULT DAY CARE
Patient doesn’t need around the clock care. Adult Day Care can be provided at home or at an adult day care facility and receives medical care and is socially engaged.
RESPITE CARE
Respite Care gives the primary caregiver a break from caregiving duties. The respite period allows the primary caregiver to run errands, sleep, or take a weekend vacation.
Cognitive impairment is the inability of an individual to perceive, rationalize or recall. Cognitive impairment prohibits an individual from properly taking care of themselves, and require assistance from others. Some examples, would be short or long term memory loss, identity confusion, impaired judgment, poor motor coordination, Alzheimers, and Parkinson's Disease.
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