LONG-TERM CARE

Long-term care is the spectrum of services provided to support individuals who, by reason of extended illness, mental, physical or developmental disability, need assistance to maximize independent and efficient performance of those activities necessary for daily life and well being in all care settings. While acute care is temporary and episodic, with a focus on restoration of health, long-term care has a focus on trying to help a person manage an irreversible disabling condition. Long-term care can be provided in a variety of settings: in the home with formal (paid) assistance; informal (unpaid) assistance by family members, relatives or friends; or in a facility.

Formal assistance includes community-based long-term care that encompasses an array of interventions such as day care, caregiver respite and in-home services such as personal care and home-delivered meals. A variety of service providers are a part of the community-based long-term care system. They can range from senior centers, which also provide many preventive services, to councils on aging, to home health agencies, and others. Many of these agencies provide a host of services. Others may provide a single service through contractual agreement with the case management or lead agency. Long-term care facilities in Florida are comprised of nursing homes, assisted living facilities (ALFs) and adult family care homes (AFCHs).

More information on long-term care can be found at the Department of Elder Affairs website, including the following topics:

  • Long-Term Care -- Informal
  • Long-Term Care -- Formal
  • Cost Effectiveness
  • Agencies with Long-Term Care Function
  • Innovative Programs
  • Access
  • Who Pays for Long-Term Care

Long Term Care Facts:

Long-Term Care Insurance:

  • Long-term care insurance helps assure access to services when needed.
  • An AARP survey (2001) found most people age 45 and older have little understanding of long-term care or the need for insurance.


Hindrances to Purchasing Long-Term Care Insurance:

  • Complex policies with unequal benefit comparisons
  • Large premium variance
  • Consumer denial
  • Belief that premiums are unaffordable
  • Belief that it is not a good value

American Association of Retired Persons (AARP) Understanding Long-term Health Care Insurance, a guide to help you decide if and when to buy a policy.

American Health Care Association (AHCA) and the National Center for Assisted Living sponsors the LongTermCareLiving.com website, which offers resources and information on selecting and paying for long term care.

Health Insurance Association of America (HIAA)
1201 F Street NW, Suite 500
Washington, D.C. 20004-1204
Phone: 202-824-1600
Fax: 202-824-1722
  Industry trade group provides consumer guides and directories of member companies that provide
  LTC insurance.

The Insurance Information Network (Insure.com)
The Long Term Care library offers articles and advice on buying LTC insurance.

The National Council on Aging (formerly United Seniors Health Cooperative)
409 Third Street SW, Suite 200
Washington, DC 20024
Phone: 202-479-1200
Fax: 202-479-0735
Email: info@ncoa.org

 


Long-Term Care Insurance Self Assessment Guide
A guide to help you decide if you should purchase Long Term Care Insurance.

Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link,
and use the Access Adobe online form to convert this file to HMTL text.)


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