Welcome to What is Long Term Care

Our beginning goes back to 2002. That year I was very fortunate to be one of 15 Long Term Care (LTC) experts selected to help start the Federal government’s Long Term Care Insurance Plan. This was the largest Long Term Care education effort in U.S. history.

I conducted over 200 classes on LTC for federal employees, retirees and their families throughout the western U.S. on behalf of the U.S Office of Personnel Management. The response to my classes was amazing! People desperately wanted information- accurate and impartial information- right now because they had found themselves unexpectedly throw into the role of caregiver an
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What is Long Term Care?

When we think of Long Term care we usually think of an elderly person who is near death in a Nursing Home. While that person does need Long Term Care they are not a true example of the typical person needing Long Term Care. Consider this:

The average person getting Long Term Care is in their own home. In fact, 80% of people getting Long Term Care are in their own home or the community, 2% get care in an Assisted Living Facility and only 18% of people receiving Long Term Care are in a Nursing Home.

Almost 50% of people getting Long Term Care are under the age of 65.

We need Long Term Care (LTC) when we help with the Activities of Daily Living (ADLs)- the day to day activities that keep us alive for a period expected to last at least 90 days. The federal law defining Long Term Care  spells out the six Activities of Daily Living (ADLs): bathing, continence, dressing, eating , toileting (the ability to get on and off the toilet by yourself and the hygiene relating to using the bathroom) and transferring (transferring is getting in and out of a bed or chair).

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