Long-Term Care

Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:

Other common long-term care services and supports areassistance with everyday tasks, sometimes calledInstrumental Activities of Daily Living (IADLs) including:

  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets
  • Responding to emergency alerts such as fire alarms

70% of people turning age 65 can expect to use some form of long-term care during their lives. There are a number of factors that affect the possibility that you will need care:

Age

Gender

  • Women outlive men by about five years on average, so they are more likely to live at home alone when they are older

Disability

  • Having an accident or chronic illness that causes a disability is another reason for needing long-term care
  • Between ages 40 and 50, on average, eight percent of people have a disability that could require long-term care services
  • 69 percent of people age 90 or more have a disability

Health Status

  • Chronic conditions such as diabetes and high blood pressure make you more likely to need care
  • Your family history such as whether your parents or grandparents had chronic conditions, may increase your likelihood
  • Poor diet and exercise habits increase your chances of needing long-term care

Living Arrangements

  • If you live alone, you’re more likely to need paid care than if you’re married, or single, and living with a partner

Long-term care is a range of services and support for your personal care needs. Most long-term care isn’t medical care, but rather help with basic personal tasks of everyday life, sometimes called activities of daily living.

Medicare doesn’t cover long-term care (also called custodial care), if that’s the only care you need. Most nursing home care is custodial care. Get more information about nursing home care.

Medicare does cover:

You may also want to think about alternatives to nursing home care.

Visit www.longtermcare.gov for information and resources to help you and your family plan for future long-term care needs.

HMCC Region 3 LTC Contacts