Long-Term Care

According to the U.S. Department of Health and Human Services, someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years. Long-term care is a range of services and supports you may need to meet your personal care needs. Long-term care isn’t medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as bathing, dressing, bed/chair transfer and eating. Other common long-term care services and supports are assistance with everyday tasks, called Instrumental Activities of Daily Living (IADLs), such as housework, taking medication, caring for pets and grocery shopping. The duration and level of long-term care will vary from person to person and change over time. Most employer-sponsored or private health insurance, including health insurance plans, cover only the same kinds of limited services as Medicare. If they do cover long-term care, it is typically only for skilled, short-term, medically necessary care. Check with your specific plan for long-term care details.
Source: Administration for Community Living