Long Term Care Options

Long-term care refers to a range of services and supports needed to meet the personal care needs of individuals over an extended period, often due to chronic illness, disability, or aging. This care can include assistance with daily activities such as bathing, dressing, and eating, as well as medical care and therapy services. Long-term care is important because it helps individuals maintain their quality of life and independence as much as possible, while also alleviating the caregiving burden on family members.

 

Planning for long-term care is essential because these services can be costly, and having a strategy in place ensures that individuals have access to the care they need without depleting their savings or relying solely on family support. Options for funding long-term care include long-term care insurance, hybrid policies, and government programs like Medicaid, each offering different benefits and levels of coverage.