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What is "Long Term Care"?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long term care (LTC) refers to a variety of services designed to help people perform the functions of day-to-day living to help them remain independent.
Some long term care is aimed at providing help with day-to-day activities for people with chronic illness, or cognitive impairment, such as dementia. Other long-term care services may be rehabilitative, helping someone regain function after a serious injury. Care is received in a variety of settings including nursing homes, alternate care facilities and a person's own home.

Long term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home (as mentioned above).

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.

Frequently asked questions on Long Term Care.
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Long Term Care Glossary

The Garsys Agency offers affordable long term care insurance in many communities including Minnetonka, MN, Plymouth, MN, Plano, TX, Frisco, TX, Des Moines, IA, Iowa City, IA, Novi, MI, Northfield, IL, Kenilworth, IL and more.  For additional help please contact the Garsys Agency at 866-432-4753.
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