What is long term care?

Long term care includes a variety of services that help people when they are no longer able to care for themselves, regardless of age.  The care is provided over an extended period of time and may be medical or personal.  Personal care, which involves basic life functions referred to as Activities of Daily Living (ADLs), includes assistance with bathing, dressing, feeding, transferring, toileting, and continence.  It also includes care when needing assistance to protect oneself from threats of health or safety.  One may be able to physically perform the activities of daily living but need to be reminded to do so.  An example of this cognitive impairment would be Alzheimer's Disease.

     Myth:  Long term care means a complete loss of independence and control over your life.

     Fact:  With proper planning, long-term care costs can be addressed effectively ensuring maximum independence and control.