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Long Term Care
Long-term care can be quite confusing for people not familiar with it. All of the below services offer at least one or more of the three levels of long-term care. The level of long-term care a person will receive is dependent upon their physical and mental capacity to tend to their own needs. There are three levels of long-term care: skilled, personal and professional.
Skilled Care is a care needed for people with medical conditions that require care by medical personnel (registered nurse, professional therapist).
Personal Care is for people who need assistance with simple daily tasks such as eating, bathing and dressing. Personal care (sometimes called "custodial care") is less involved than skilled care and it may be provided in settings as varied as in one's home or in a nursing home.
Professional Care falls between skilled and personal care. Professional care is for less medically complicated conditions. This type of care:
When Long-Term Care Is NeededLong-term care is needed when a person becomes unable to do simple everyday tasks for self-care or has lost their mental capacity to reason and make judgments that pertain to their safety or well-being.
Common Reasons Why People Need Long-Term Care:
Activities of Daily Living (ADLs) is the most common gauge insurance companies use to decide whether a person is eligible for benefits. The need for long-term care is determined when a person is unable to perform two to three of the following six activities:
Cognitive Disorder is another way to determine whether a person is eligible for long-term care benefits. It is when a person's mental capacity has deteriorated, resulting in the inability to remain in the same environment without assistance. Usually a person with this disorder needs supervision, protection and reminders to do everyday activities.
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