Long-term care is commonly known as LTC and describes assistance with daily activities. It includes grooming, bathing, dressing transfers, and other things to look after oneself. If a person is no longer capable of completing one or more of these tasks without assistance, there is a need for long-term care. Long-term care is different from other types of care due to its nature. Long-term care focuses on providing services designed to increase independence for those unable to manage their care.
Who Needs Long-Term Health Care?
The purpose of long-term health care is to accommodate people who cannot take care of themselves without assistance. It is not all-inclusive and may get needed by anyone for many reasons. The most frequent reason for requiring long-term care is the aging process. Most people who are 65 or older require some long-term care. Furthermore, chronic illnesses like Alzheimer’s and dementia may further contribute to your need for long-term health care.
Where Can I Find Long-Term Treatment?
Long-term care is available in many different environments. There are a variety of settings, including community living, nursing homes, and home health care. Nursing facilities also offer treatment for people who have Alzheimer’s disease, often called Memory care centers. The type of facility you select will usually depend on your personal preferences and needs.
How Can I Obtain Long-Term Care Insurance?
Investigating your options and contrasting insurance providers is the most effective way to get long-term care insurance. Engaging a licensed agent will make this process. An experienced agent must know about every insurer and also be able to assist you with any questions you might have. Agents can aid you in comparing your choices and picking the policy that will suit you the best.
Personal Care
Long-term care provides a range of services designed to meet health or personal requirements for a lengthy time. The benefits get intended to assist people in living their lives with the help and the care they require. Two major categories of long-term care are Personal and skilled care. Within these two categories are different amounts of support. The levels of care are determined by what frequency you receive, which ranges from occasional care to the highest level.
The initial type of care called Personal Care is the care for an individual in their home and help with everyday activities they cannot manage independently. A few examples of personal care are:
- Preparing meals
- Getting dressed
- Chores in the home
- Bathing
- Running errands
- Transportation
Skilled Care
The second kind of care, called skilled care, is primarily any level of medical treatment. It gets provided by a professional who is licensed. This kind of care usually includes a nurse or trained professional who can assist with occupational or physical therapy and medication management. Nurses ensure that your health and vitality are in top shape if you receive nursing care. At the same time, by taking physical therapy, therapists aid in improving the strength and mobility of your body. However, occupational therapy improves performance by focusing on daily activities, including managing your medication. Other aspects of skilled treatment could be:
- Registered nurses
- Speech pathologists
- Vocational nurses
- Audiologists
- Medical doctors
- Rehabilitation specialists
For information about long-term care insurance, contact Ottawa Life Insurance at (613) 454-1424 or email us at info@ottawa-lifeinsurance.ca.
Recent Comments