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An estimated 12 million Americans will need long-term care by 2020 and more than 40% will not have the financial means to obtain appropriate care services. While Medicaid may offer financial assistance for qualified individuals, there is no guarantee that a senior’s long-term care needs will be covered in full.
Understanding Long-Term Care (LTC)
Long-term care insurance is a policy designed to assist older adults who are living with a disability or chronic condition that requires intensive care for an extended period of time. In most cases, a senior is able to enact the long-term care benefits of a policy when he or she is unable to complete activities of daily living – eating, bathing, dressing, or walking – independently or if he or she has received a diagnosis for a chronic condition such as dementia or Alzheimer’s.
Depending on the type of long-term care policy purchased, seniors may receive financial help paying for nursing home or assisted living facility fees as well as in-home care from a professional hourly or live-in caregiver in Redondo Beach.
Planning for Long-Term Care Needs
Individuals who obtain long-term care insurance when health is optimal (often earlier in life) will benefit most from this type of policy as premiums are generally less expensive. If you are concerned about a senior loved one’s future or possible care needs, take time to discuss the advantages and disadvantages of long-term care insurance with him or her. Also review any prior health issues, current health-related concerns, and family history to determine if long-term care insurance is a good investment.
Benefits for Older Adults
A long-term care plan can help seniors retain quality of life and as much independence as possible should a serious health concern arise. Families can also enjoy peace of mind knowing their loved one will have to be concerned with how to pay for necessary care.
If your aging parent or loved one needs long-term care or requires around-the-clock care at home, reach out to Home Care Assistance of Redondo Beach. We are recognized as the live-in care specialists, but also provide part-time care in Redondo Beach and communities throughout the South Bay. To learn more, call (310) 504-0506 and request a complimentary, no-obligation consultation.