Many people think the phrase "long-term care" refers to an insurance policy. However it encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.
The Centers for Medicare and Medicaid services project that almost 70% of people turning age 65 will need long-term care at some point in their lives. Are you prepared to financially care for your loved ones, or yourself, should long term care be required?
What services does Long Term Care cover?
Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:
Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including:
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