Elder Care Insurance
Intro - Long Term Care Insurance What is LTC Insurance? Long Term Care Issues The Cost Factors Types of Products Inquire About Us	What Is The Risk Associated With Elder Care? Not every eldercare patient needs nursing home care. For every person 65 and older living in a nursing home, there are four in their homes or other community settings who need some form of elder-care. The condition of the person seeking elder care is the key factor in your choice of a long-term care facility. Most skilled/intermediate care nursing facilities provide personal care and residential services including rooms, meals, planned activities and programming to meet social and spiritual needs. The levels of nursing and therapy services offered vary quite widely, and these should be carefully matched to the individual’s needs. The resident’s physician is involved regularly in the direction of a resident’s care. The nursing staff works with and keeps the resident’s physician updated on any changes in the resident. What Is Elder Care Insurance? Do I Need ElderCare Insurance? What Is The Risk? Does My Health Matter? People who are mobile but may need assistance with one or two activities of daily living, may require the services of an assisted living facility. An assisted living facility is a congregate residential setting that provides or coordinates personal elder care services, 24-hour supervision and (scheduled and unscheduled) assistance, activities, and health-related services; is designed to minimize the need to move; is designed to accommodate individual residents' changing needs and preferences; is designed to maximize residents' dignity, autonomy, privacy, independence, choice, and safety; and is designed to encourage family and community involvement. People who need 24-hour nursing care by licensed nurses as prescribed by a physician, require the care of an intermediate eldercare facility. Rehabilitative programs, social services and daily activities for persons not capable of full independent living, (such as persons who are convalescing or persons with chronic conditions which are not critical) are provided. Physical, occupational and other therapies are also provided. People who need 24-hour care usually require the care of a skilled nursing facility. Registered Nurses, Licensed Practical Nurses and Certified Nurse Assistants provide care and services prescribed by physicians with heavy emphasis on medical nursing care. Social services, as well as physical, occupational and other therapies are provided. People who need a greater intensity or complexity of care than generally provided in a skilled nursing facility but who no longer require the stabilization or treatment provided in acute hospital care, may require the care of a subacute care facility. Home | What Is LTC? | What is LTC Insurance? | What Is The Cost? | Long Term Care Insurance Products | Feature Checklist | What To Look For | Needs | benefits | glossary | Related Sites | Risks | Contact Us | about us   July 4, 2009 This Web site should be considered an advertisement and is not a contract.