Consumer Guide Long Term Care

What is Long-Term Care? Long-term care (LTC) describes the need for assistance from another person with everyday tasks. This type of care is typically non-medical (custodial) and not covered by health insurance. LTC describes the need for custodial (unskilled) help from another person, for an extended period of time. LTC needs consists of services and support related to a prolonged illness, injury or chronic condition. As more Americans expect to live a long life and the population ages, the need for these services will grow. Planning for LTC should be part of everyone’s retirement planning. Long-term care services include help with “activities of daily living (ADLs)” such as: Bathing Dressing Using the toilet Transferring (to or from bed or chair) …