There are multiple factors that entail a need for what is called “Long-Term Care.” Factors can include old age, physical illness or injury, mental illness, an inability to perform daily functions without assistance such as bathing, dressing, eating, using the restroom, and mobility. The six daily functions are oftentimes called “Activities of Daily Living (ADLs).
Typically, if a person struggles and needs assistance with two or more of the ADLs, then that individual is recommended to Long-Term Care; regardless of how long they actually need care or rehabilitation. The individual may not need care for a long period of time, but the type of care is still called Long-Term Care.
Long-Term Care services can be provided in-home, at an adult care center, in an assisted living facility, and in a nursing home if it moves beyond custodial care into skilled care. And, the coverage for Long-Term Care comes in various forms, including hybrid coverage, Medicare, and private health insurance.
Who needs Long-Term Care: