Long Term Care

Where are long term care services provided?

Most LTCI policies provide all three levels of service in licensed nursing homes. In addition to nursing homes, long-term care can also be provided in a number of other settings, like Assisted Living centers, adult day-care facilities as well as your own home. Some policies may restrict the additional facilities you can select to receive care. When shopping for coverage under a long term care policy, it is important to evaluate which types of services and facilities you might reasonably need, that way you can be sure you buy appropriate coverage.

Some of the facilities you may want to be able to select from include:

Nursing Homes

Nursing homes must meet strict guidelines established by state regulators in order to be considered a "licensed facility" (meaning that care received in the nursing home is covered by LTC policies). Although most nursing homes offer custodial care, many provide skilled nursing care and intermediate care facilities too.

Assisted Living Facilities

Although licensed much like Nursing Homes, Assisted Living Facilities offer oversight and assistance to residents that want and need a lesser level of care than typically provided in a Nursing Home. Doctors and other medical staff are more likely to be “on call” rather than “on-site” as residents are typically more mobile and need less care. Activities and meals are provided and these facilities are attractive to people wanting less responsibilities than living alone usually requires.

Home Care

Home health care encompasses a wide variety of services. Many times, skilled care is available in a home setting. Physical therapy, wound/dressing changes, assistance with bathing and dressing, and even homemaking assistance is available from home health providers. Visiting nurses, therapists, and home health aides usually deliver these home health services. Many LTC policies consider care received anywhere other than a skilled nursing facility to be a home care service.

Adult Day Care

Adult day care centers offer supervised activities in group settings with limited true health care services. These facilities are most desirable to elderly people who may live with relatives who work and cannot care for them during the day. Adult day care facilities provide social interactions with others, therapeutic activities, preventive health information, nutritious meals and even occasional outings.

Hospice Care

A hospice provides care and comfort for terminally ill patients and their families. Depending on the situation and circumstances, care of this nature can be provided in special facilities but many times care is provided in a terminally ill patients home.

Respite Care

Respite care services provide temporary care for an elderly or disabled person, primarily to afford a break or time off for a primary care giver, usually a spouse or close relative. Respite care can be offered in just about any setting, including a nursing homes, or at a patients normal home.

Whether your need is to care for elderly parents, yourself or your spouse, Reichek Financial can help tailor a plan that will give you security, peace of mind and necessary funds when the need arises.