Long Term Care

All the Details.

The Basics

What is long term care?

Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care if not medical care, but rather assistance with basic personal task of everyday life.
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Who will provide your care?

Long-term care services typically come from:

  • An unpaid caregiver who may be a family member or friend.
  • A nurse, home health or home care aide, and/or therapist who comes to the home.
  • Adult day services in the area.
  • A variety of long-term care facilities.

Who Needs Care?

70% of people turning age 65 can expect to use some form of long-term care during their lives. There are a number of factors that affect the possibility that you will need care:

Disability

  • Having an accident or chronic illness that causes a disability is another reason for needing long-term care
  • Between ages 40 and 50, on average, eight percent of people have a disability that could require long-term care services
  • 69 percent of people age 90 or more have a disability

Health Status

  • Chronic conditions such as diabetes and high blood pressure make you more likely to need care
  • Your family history such as whether your parents or grandparents had chronic conditions, may increase your likelihood
  • Poor diet and exercise habits increase your chances of needing long-term care

Living Arrangements

  • If you live alone, you’re more likely to need paid care than if you’re married, or single, and living with a partner

Medicare, Medicaid, and More!

Who Pays for Long-term Care?

Medicare:


  • Only pays for long-term if you require skill services or rehabilitative care:

- In a nursing home for a maximum for 100 days; however, the average medicare cover stay is much shorter.


- At home if you are also receiving skilled home health services.


  • Medicare does not pay for non-skilled assistance with (ADL), which make up majority of long term care services.
  • You will have to pay for long-term care services that are not covered by a public or private insurance program



Medicaid:


  • Does pay for the largest share of long-term care services, but to qualify, your income must be below a certain level and you must meet minimum state eligibility requirements
  • Such requirements are based on the amount of assistance you need with ADL
  • Other federal programs such as the Older American Act and the Department of Veterans Affairs pay for long-term care services, but only for specific populations and in certain circumstances

Where you Live Matters.

Staying in Your Home

Most people prefer to stay in their own home for as long as possible. When planning to receive long-term care in your home there are many things to consider including:

  • The condition of your home
  • Whether it can be modified, if necessary, to accommodate a wheelchair or other devices/equipment
  • The availability of long-term care services in your area, such as adult day care or nearby medical facilities
  • How “aging-friendly” your community is—does it offer public transportation, home delivered meals and other needed services?
  • Tax and legal issues



Living in a Facility

If it becomes necessary, several types of housing come with support services. Primarily, these are:

  • Public Housing for low-to-moderate income elderly and persons with disabilities. Typically assistance with services is provided by a staff person called a Service Coordinator
  • Assisted Living or “board and care” homes are group living settings that offer housing in addition to assistance with personal care and other services, such as meals. Generally, they do not provide medical care
  • Continuing Care Retirement Communities (CCRCs)provide a range of housing options, including independent living units, assisted living and nursing homes, all on the same campus. Nursing facilities, or nursing homes, are the most service-intensive housing option, providing skilled nursing services and therapies as needed.

How to Decide

Cost of Care

Advance Care Plan Considerations

  • What do you want for yourself? Most people think about the way they wish to face death or disability but may be uncomfortable discussing these topics. Sometimes sharing your own ideas, if you are helping someone, or reviewing the situations of other family members or friends who have been in similar situations, can help


  • Who do you want as your decision maker? Decide who should make decisions for you if you cannot. Choose someone who will understand and be able to carry out your wishes even if they include stopping life-sustaining treatment. You should also name a back-up agent to make decisions, in case the first person is not able to do so.

Legal Steps For Medical Well Being


  • Living wills (sometimes called “advance health care directives”) are written instructions for care you wan tor do not want in the event that you are not able to make medical decisions for yourself. State laws vary, so it is important to check on your state’s requirements when completing these documents
  • Appointment of a health care surrogate or medical power of attorney (also called a durable power of attorney for health care) is a document that names someone to make health care decisions for you when you cannot.

Cost and How to Pay

Some average costs for long-term care in the United States (in 2010) were:

  • $205 per day or $6,235 per month for a semi-private room in a nursing home $229 per day or $6,965 per month for a private room in a nursing home
  • $3,293 per month for care in an assisted living facility (for a one-bedroom unit)
  • $21 per hour for a home health aide
  • $19 per hour for homemaker services
  • $67 per day for services in an adult day health care center

Paying Privately

If a person has enough income and savings, they will need to pay for long-term care services on their own, from their incomes, savings, and possibly the equity in their home. In this section you'll explore a few of the growing number of ways an individual can pay for long-term privately. These methods include:

  • Reserve mortgages
  • Annuities
  • Trusts

Questions and ideas people need to know.

Why is Long-term Care important?

Long-term care insurance is important because of the likelihood of needing the types of services covered by the insurance and the cost of paying for those services.Long-term care insurance is important because of the likelihood of needing the types of services covered by the insurance and the cost of paying for those services.

Is having basic insurance enough?

Like many people, they can have medical insurance through work, and figure that they're covered for almost everything. Unfortunately, that’s not usually the case. Even with medical coverage, there are out-of-pocket expenses related to a serious illness or accident that can be prohibitive.

Elderly Friendly Designs for Homes

Easy on Hands

  • Simply replacing doorknobs with lever-style hardware can make life easier for residents. Levers are also best on faucets, and illuminated rocker switches are better than the standard toggle light switches.

Friendly Floors

  • All floors should be made slip-resistant, such as by adding nonskid mats under area rugs (or getting rid of the area rugs completely). Trips are as dangerous as slips, so eliminate trip points like thresholds wherever possible, or reduce their height.

Better Baths

  • Think about adding grab bars by the toilet, making your way into the shower/bath, or other places in the room where someone may need a helping hand. A step-in shower is safer than a tub, but if that's not possible add grab bars that help someone getting in and out. A single-handled faucet control reduces the chances of scalding at the sink, and a pressure-balanced control does the same in the shower.

Safe Stairs

  • For older people living on more than one level, stairs can be especially dangerous. Handrails are a must, on both sides of the staircase if possible. Lighting is also critical, make sure to have lighting from top to bottom so every step is well defined.

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Living Arrangements in The South Plains.



  • Brookdale Remington Park is a retirement community offering personalized assisted living options for seniors. Our emphasis is on providing a wonderful assisted living lifestyle, allowing you to do what you can and helping you remain as independent as possible. Located: 5301 66th Street Lubbock,Tx 79424 Cost: Assisted Living is on average monthly $2900


  • Heartland House offers assisted living in a beautiful home environment. Every resident is a member of our family and is treated with dignity and respect. We strive to promote maximum independence that one's health allows. Our family style living encourages social interaction, but also understands the need for privacy. Located: 2605 North County Road 1700 Lubbock,Tx 79416 Cost: Assisted Living Monthly $2874


  • Aberdeen Of Wedgewood in Lubbock, TX provides Assisted Living, Independent Living services. The staff at Aberdeen Of Wedgewood provide personalized services designed to meet the needs of every patient. The dedicated health professionals offer the assistance you need while respecting your independence. Located: 9812 Vinton Ave, Lubbock,Tx 79424 Cost: Private Assisted Living Monthly $3284

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