What is Long Term Care?

The definition of long term care (LTC)

LTC is the medical and social services term for helping people who develop disabilities or chronic care needs resulting from conditions such as:

  • Alzheimer’s Disease and Related Dementia (ADRD)
  • Parkinson’s and Other Central Nervous System Conditions
  • Stroke
  • Broken Hips and Related Injuries (Osteoporosis, joint replacement, etc.)

Activities of Daily Living

LTC is the care people need when they are unable to perform activities that are known as the “Activities of Daily Living” (ADLs) such as:

  • Bathing
  • Dressing
  • Toileting
  • Continence
  • Eating

Cognitive impairment

Additionally, LTC may be needed if the person requires care and supervision due to a severe cognitive impairment including:

  • Memory loss
  • Dementia
  • Alzheimer’s disease

LTC services may be brief with full recovery, or they can continue for years.

Prepare for the risk

While it is not a subject many want to consider, LTC is as much a financial issue as an emotional one. With the rising costs of health care coupled with a longer life expectancy, the risk of LTC continues to increase. Without proper planning, many families face financial devastation. 

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