How to Choose Long-Term Care

Long-term care (LTC) is a broad term that encompasses many types of services and care for people with chronic conditions, illnesses, or disabilities that require ongoing assistance for an extended period. LTC can range from assistance with daily activities, such as bathing and dressing, to skilled nursing care. It can be provided in a variety of settings, including:

* At home: LTC services can be provided in the person's own home by a professional caregiver or a family member.

* In a nursing home: A nursing home is a residential facility that provides 24-hour skilled nursing care.

* In an assisted living facility: An assisted living facility provides assistance with daily activities, such as bathing and dressing, but does not offer the same level of skilled nursing care as a nursing home.

* In a continuing care retirement community: A continuing care retirement community (CCRC) is a residential community that offers a range of services and care options, including independent living, assisted living, and skilled nursing care.

The cost of LTC can vary depending on the level of care, the setting, and the geographic area. In 2020, the median annual cost of a private nursing home room was $108,450, and the median annual cost of assisted living was $48,612.

How to Choose Long-Term Care

Choosing an LTC provider is a complex and important decision. There are a number of factors to consider, including:

* The person's needs: The first step is to assess the person's current and future needs. What type of care do they need? How much assistance do they require?

* The setting: The next step is to decide where the person would like to receive care. Do they want to stay at home? Move to an assisted living facility? Enter a nursing home?

* The cost: The cost of LTC is a major consideration. How will you pay for the care? Will you need to purchase LTC insurance?

* The quality of care: The quality of care is also important. You should visit the facilities you're considering and talk to the staff. Ask about their qualifications and experience.

Tips for Choosing a Long-Term Care Provider

Here are a few tips to help you choose an LTC provider:

* Start early. LTC costs can be expensive, so it's important to start planning early. This will give you time to research your options and find the best possible care for your loved one.

* Get professional advice. A financial planner or elder care attorney can help you navigate the complex world of LTC. They can help you assess your needs, compare costs, and find the best possible coverage options.

* Don't be afraid to ask questions. The LTC decision is a big one. Don't hesitate to ask questions about any aspect of the care you're considering.

By taking the time to research your options and choose a reputable LTC provider, you can help your loved one get the care they need.