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Long-term care (LTC)

 is a variety of services which help meet both the medical and non-medical need of people with a

chronic illness or disability who cannot care for themselves for long periods of time.

It is common for long-term care to provide custodial and non-skilled care, such as assisting with normal daily tasks like dressing, bathing, and using the bathroom. Long-term care may also include medical care that most people do for themselves, such as diabetes monitoring. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. Long-term care may be need by people of any age, even though it is a common need for senior citizens.

The Centers for Medicare and Medicaid Services (CMS) estimate that about nine million men and women over the age of 65 in the US will need long-term care in 2006. By 2020, 12 million older Americans will need long-term care. It is anticipated that most will be cared for at home; family and friends are the sole caregivers for 70 percent of the elderly. A study by the U.S.

 

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California Long Term Care Insurance Services
Representing MetLife, John Hancock, Prudential, & others
1443 Main St.  A-103  Napa, CA. 94559  707-254-1084 email


John Cardinale - State Farm Insurance
2160 Jefferson St., Suite 105A, Napa Ca 94558 707 258-9661

Schrette Insurance Services
1556 First St., Suite 105, Napa Ca 707 255-9511

 
 
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Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more.

A 2006 study conducted by AARP found that most Americans are unaware of the costs associated with long-term care and overestimate the amount that government programs such as Medicare will pay.

Medicaid

Medicaid is a government program that will pay for certain health services and nursing home care for older people. In most states, Medicaid also pays for some long-term care services at home and in the community. Eligibility and covered services vary from state to state. Most often, eligibility is based on income and personal resources.

 
 
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