Long Term Care
The primary goal of long-term care coverage is to protect one’s net worth from diminishing due to some type of illness or limitations described below.
Long term care provides essential help for daily activities. From walking and eating, to bathing and dressing, these are the activities that allow a person as they grow older or cope with a chronic illness, to preserve as much of their lifestyle, independence, and flexibility as possible.
Long term care includes the necessary skilled and custodial care that a chronically ill or frail individual requires. Diagnostic, therapeutic, preventive, and rehabilitative services all have their place in a comprehensive long term care program. The primary focus of long term care is, however, on the personal care and maintenance that will preserve daily independence and dignity over an extended period of time.
It is difficult to anticipate and plan for long term care needs because so many factors are involved in the decision making, such as:
- Ambivalence about long term living arrangements as physical capabilities decline
- Inability or unwillingness of family members to provide periodic or ongoing support when the time comes
- Misinformation about long term care options or services available through health programs, Medicare, etc.
- Difficulty in juggling financial and family priorities when planning for long term care
- There are solutions to the long term care dilemma, and we can help you find the right solution for you.
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