Long Term Care
What you need to know about Long Term Care Insurance
What is Long Term Care?
Long-term care is the personal care and other related services provided on an extended basis to people who need help with activities of daily living or who need supervision due to a severe cognitive impairment. This type of care is considered skilled care, non-skilled care, or custodial care. It is NOT acute or rehabilitative care, which is known as skilled care.
When is Long Term Care needed?
You need long-term care when you need help with your activities of daily living. These are items such as bathing, dressing, toileting, continence, eating, and transferring. Or, you may be able to do all of your activities of daily living but still need care and supervision due to a severe cognitive impairment (memory loss, dementia, etc.). You may be able to dress yourself, but you may not remember to take your medications.
Long Term Care Web Resources
In addition to the many resources we have provided on our website, below are some links to websites that you may want to visit as an additional resource.
- AARP Long-Term Care Insurance Program
- American Association for Long-Term Care Insurance
- The Corporation for Long-Term Care Certification, Inc.
- Federal Long-Term Care Insurance Program
- National Council for Aging Care
- MetLife Mature Market Institute
- NY Public Employees Long-Term Care Insurance Program
- NYS Partnership for Long-Term Care
- NYS Retired Public Employees Association
- NYS Medicaid
- National Care Planning Council