California Partnership for Long Term Care

What is Long-Term Care?

Long-term careCare given to someone who can no longer perform activities of daily living. is different from the rest of your health care, and it's not typically covered under health insurance policies, HMO plans, Medicare or Medicare supplemental policies. Some may also cover nursing home careFor people with chronic or disabling illnesses who cannot care for themselves but don't need hospital care. or home care but typically only on a short term or limited basis.

Long-term care includes personal careHelp with bathing, grooming, getting from a chair to a bed and other personal assistance. assistance, such as help with bathing, eating or dressing, that you require over a lengthy period. That's why it can be very expensive. Long-term care can range from simple assistance with activities in your own home or a residential care facility, or it can mean highly skilled care in a nursing facility. The possibility of needing long-term care due to an illness or physical disability is something most people would rather not think about. But as we get older and because we are living longer, the likelihood that we will need some kind of assistance is very real. Long-term care coverage will help you live your life with dignity and independence.

Here’s a checklist of the activities of daily living covered in long-term care:

  • Bathing
  • Dressing
  • Toileting
  • Transferring (from bed to chair)
  • Eating
  • Continence