Long-term care (LTC)
is a variety of services which help meet both the
medical and non-medical need of people with a
chronic illness or disability who cannot care for themselves for long
periods of time.
It is common for long-term care to provide custodial and non-skilled care,
such as assisting with normal daily tasks like dressing, bathing, and
using the bathroom. Long-term care may also include medical care that most
people do for themselves, such as diabetes monitoring. Long-term care can
be provided at home, in the community, in assisted living or in nursing
homes. Long-term care may be need by people of any age, even though it is
a common need for senior citizens.
The Centers for Medicare and Medicaid Services (CMS) estimate that about
nine million men and women over the age of 65 in the US will need
long-term care in 2006. By 2020, 12 million older Americans will need
long-term care. It is anticipated that most will be cared for at home;
family and friends are the sole caregivers for 70 percent of the elderly.
A study by the U.S.
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California Long Term Care Insurance Services
Representing MetLife, John Hancock, Prudential, & others
1443 Main St. A-103 Napa, CA. 94559 707-254-1084
John Cardinale - State Farm Insurance
2160 Jefferson St., Suite 105A,
Napa Ca 94558 707 258-9661
Schrette Insurance Services
1556 First St., Suite 105, Napa
Ca 707 255-9511
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Department of Health and Human Services says that people who reach age
65 will likely have a 40 percent chance of entering a nursing home. About
10 percent of the people who enter a nursing home will stay there five
years or more.
A 2006 study conducted by AARP found that most Americans are unaware of
the costs associated with long-term care and overestimate the amount that
government programs such as Medicare will pay.
Medicaid is a government program that will pay for certain health
services and nursing home care for older people. In most states, Medicaid
also pays for some long-term care services at home and in the community.
Eligibility and covered services vary from state to state. Most often,
eligibility is based on income and personal resources.
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