Planning Ahead for Long-Term Care

Plan Ahead for Long-Term Care (Image courtesy of Wikipedia Commons)November has been designated as Long-Term Care Awareness Month. As part of this observance, the U.S. Department of Health & Human Services issued a release yesterday, containing useful information on long-term care for seniors and their family caregivers.

The release includes links to resources offered by the federal government, including information on types of care available at home or in care facilities, how to plan for long-term care, and how to pay for it.

The information may help you prepare for the long-term care of your elderly loved ones, as well as plan ahead for your own long-term care.

Following is the release issued from USA.gov on November 7, 2012:

“November is Long-Term Care Awareness Month

When planning ahead in these uncertain financial times, it’s important to think about long-term care for yourself and your loved ones. Long-term care (LTC) is a range of services and supports you may need to meet your health or personal needs over a long period of time. These services might include emergency response systems, senior centers, assisted living, nursing homes, transportation services, and many more.

Most long-term care assists people with activities of daily living like dressing, bathing and using the bathroom. Other common long-term care services include helping with housework, cooking, shopping, or even managing money. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. And it’s not just for seniors—if you have a significant health challenge, you may need long-term care at any age.

While there are a variety of ways to pay for long-term care, it is important to think ahead about how you will fund the care you may need. Generally, Medicare doesn’t pay for long-term care, but only for a medically necessary skilled nursing facility or home health care. Long-term care insurance may be an option to help you and your family prepare ahead of time for the potential need for long-term care. There are a variety of plans available that vary in cost depending on what services you want covered and the age you begin coverage. Before you choose a plan you should take into account where and what kind of care you might need.

Be sure to take some time this month to check out your options and plan ahead, so you can rest assured that you and your family get the care you need. And if you’re a caregiver now for a family member with health challenges, find more resources and support from USA.gov.”

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This Announcement is provided as a public service by HelpingYouCare®.

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