Facing the prospect of needing long-term care?

Life can take unexpected twists and turns and bring you to a place where you may need extended care. While no one likes to think about it, you'll be glad you took some time to consider your options.

Caring for a family member can be a significant financial and emotional strain. Types of care differ in what they cost, where they're provided, and how much involvement you have in day-to-day care for your loved one.

Keep reading to learn about your long-term care options and how to find the one that's right for your family.

Long-Term Care Insurance

A policyholder pays a premium to the policy and is then responsible for all or part of the costs of their long-term care services. It is important to know the coverage you are purchasing so you are better able to budget for the expenses associated with long-term care.

Knowing the coverage you have and staying up to date on policy changes can also help you to save on premiums and maintain coverage. It is an important part of one’s financial plan if one wishes to receive coverage for future expenses.

For more info, explore long-term care options and plans to ensure the best care and financial security for yourself or a loved one.

Assisted Living Facility

An assisted living facility is a great choice for long-term care facilities. Resident rooms come with kitchenettes and bathrooms, and some units come with wardrobes. It also provides a secure environment, with 24/7 onsite staff and secure entrances.

For individuals who have memory loss, specialized programs are available.

These programs provide the needed to manage daily living activities and ensure a safe living environment. Most facilities provide access to doctors and health services, recreational activities, and meals that provide good nutrition.

In-Home Care Services

In-home care services help you or your loved one maintain independence and remain at home. In-Home Care Services provides to individuals who need help with everyday tasks.

They can help people with a disability, elderly individuals, and those recovering from an illness or injury. On a case-by-case basis, more specialized services such as transportation and legal advice may be available.

Nursing Homes

Many also offer rehabilitative services such as physical, occupational, and speech therapy. Nursing homes have different levels of care, from basic care to comprehensive care that includes medical management by an on-site doctor. Costs vary and depend on the services rendered. Before committing to a nursing home, it's important to check all available options and find the best combination of services.

Do your research, ask questions, and request a tour of the facility. Make sure the home meets your individual needs and preferences. 

Start Making An Informed Decision About Your Long-Term Care Options

Long-term care is vital for getting individuals the help they need as they age. Educating yourself on your long-term care options, from government programs to private insurance, is important to make the best decision for you. Explore the resources in this guide to learn more about your long-term care options.

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