Who needs long-term care?
The older you are, the more likely you are to need Long Term Care. On average, women outlive men by 5 years so they may be more likely to live at home alone when they are older. Furthermore, if you have or your family has a history of chronic conditions such as diabetes or high blood pressure you may be more likely to need a Long-Term Care insurance policy.
Who will provide your care?
A caregiver can be your family member, partner, friend or neighbor who helps care for you while you live at home. About 80 percent of care at home is provided by unpaid caregivers and may include an array of emotional, financial, nursing, social, homemaking, and other services. On average, caregivers spend 20 hours a week giving care. More than half (58 percent) have intensive caregiving responsibilities that may include assisting with a personal care activity, such as bathing or feeding.
Where can you receive care?
Most long-term care is provided at home. Other kinds of long-term care services and supports are provided by community service organizations and in long-term care facilities.
Examples of home care services include:
• An unpaid caregiver who may be a family member or friend
• A nurse, home health or home care aide, and/or therapist who comes to the home