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Long Term Care Settings

Where is long term care received?

When most of us hear the term “long term care” we think of the nursing home. However, according to the U.S. Department of Health and Human Services, 80% of long-term care is provided at home.

You can receive long term care in a variety of settings, including:

• Your home
• Assisted living facilities
• Continuing care retirement communities
• Adult day care centers
• Nursing homes

Once we are age 65 or older, over 70% of us will need some form of long term care services. The average long term care need will last 3 years. Most of this care is provided at home, often by family or unpaid caregivers.

There is an increasing amount of community-based care services available such as adult day care centers, home care agencies, Meals-on-Wheels, and transportation services.

For those of us that cannot stay at home, there are a variety of residential care settings such as assisted living facilities (ALFs) and continuing care retirement communities (CCRCs) to choose from.

Of course, for those of us that may need more extensive round-the-clock long term care and 24 hour supervision, a nursing home may be appropriate.

How does long term care insurance work?