Do You Need Long Term Care Insurance?

The average cost of staying in a nursing home is nearly $192 a day or over $70,000 a year. The average length of stay in a nursing home is two and half years. Do the math…that’s $175,000! Could you or your family handle this expense? The fact is, we’re living longer than ever before and as our elderly population continues to explode, so too will our medical costs. But long term care insurance isn’t only for the elderly, because the fact is, 39% of those needing long term care are between the ages of the 18-64.

Before you decide whether long term care insurance is for you,Guest Posting you probably are wondering what long term care is. Fortunately it’s relatively easy to find answers to this question by searching on the Internet. Unfortunately, what you read about long term care may not be accurate, or maybe it’s too confusing. Or worse yet, you’re frantically looking into LTC insurance because suddenly you find yourself in a position of need and you just don’t have time to really research and understand what LTC insurance covers or whether you even need it.

What is Long Term Care?According to Wikipedia, long term care is defined as, “A variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time.” Basically, anyone who develops disabilities or chronic care needs resulting from conditions such as Alzheimer’s disease and Related Dementia (ADRD), Parkinson’s and other central nervous system conditions, stroke, broken hips or related Injuries (Osteoporosis, joint replacement, etc.) may be in need of long term care. In short, LTC is the care people need when they are unable to perform the activities of independent living such as bathing, dressing, toileting, continence, or eating. Additionally, LTC may be needed if the person requires care and supervision due to a severe cognitive impairment such as memory loss, dementia, etc.

What is Long Term Care Insurance?Long-term care insurance (LTCI) typically helps pay for the care you might need as the result of those disabilities as mentioned above. It covers personal care, homemaker services, skilled nursing care, and physical therapy. Care can be provided in a variety of settings as well, including:

Your Home
Adult Family Homes/Day-Cares
Assisted Living Facilities
Alzheimer’s Facilities
Nursing Homes
Depending on your policy and condition, varying amounts of care can take place in a variety of locations, and can range from a few hours of care per week at home to round-the-clock care in a nursing home.
The Basics of LTC and LTC InsuranceThere are three key things you need to consider when evaluating whether long term care insurance is for you:

Selecting the Maximum Monthly Benefit – this is the maximum amount of money the long term care insurance provider will pay you to receive care on a monthly basis
Selecting the Benefit Period – this is the maximum number of years the long term care insurance provider will pay your maximum monthly benefit
Selecting the Deductible Period – also called the “elimination period”, this is the number of days between beginning to receive care and when benefits are paid
It’s crucial to realize that these are the only required benefit selections for any long term care insurance provider; all other selections are optional. Make sure your agent helps you choose the right selections for you.

Although many of us tend to ignore the need for long term care, or simply hope that nothing happens during our lifetime, the fact is just about all of us will in some way, shape or form have an experience when a loved one needs long term care.

Still not sure about LTC insurance? Consider this:

12 million people currently receive long term care
82% are cared for at home or in Assisted Living
Only 18% are in nursing homes
39% of those needing long term care are aged 18-64
The average length of care varies but regardless of how you look at it, even a year can turn out to be very expensive:
Nursing home – 2.4 years
Home health care – 4.5 years
Life span of an Alzheimer’s patient – 4.9 years
Most of us probably don’t realize just how much long term care costs (if you had to pay by cash). Be prepared:
Home health care runs about $18/hour = $66,000/year
Assisted living can cost $85/day = $30,288/year
Adult day care may be $55/day = $20,075/year
Nursing homes are expensive: $192/day = $70,080/year
Long term care insurance may not be for everyone, but everyone should consider it, especially as each generation continues to live a longer life. Let’s make sure it’s a happy one.

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Respite Day Care or Home Care Services

At Camchris, we provide short & long-term assisted living services & facilities in Southfield Mi that taking care of adults who require personal & medical assistance.

Respite Day Care or Home Care Services are designed to help senior adults and their families alleviate some of their symptoms of long-term caregiver burnout,Guest Posting by giving them direct institutionalized or short-term adult day care or respite care.

It is also called short-term adult care or residential care, depending upon the length of time the adult requires help.

Respite Care Services offers both inpatient and outpatient services, depending on your needs. Some Respite Care Services offer in-home care, while others focus only on non-medical care and support services.

Respite Care is designed around a group or family consensus to provide an individualized, short-term care program, free of fees, to elderly family members or other caregivers who require help due to their illness, injury, or divorce.

Most Respite Care services are free for eligible family members or caregivers. Respite Care services are designed around the needs of all elderly adults and their loved ones and may provide medical supervision, emotional and social support, and basic household maintenance, such as preparing food, bathing, and dressing the elderly, and other necessary activities.

Respite Care for seniors offers seniors a much-deserved break from their daily routines, allowing them the opportunity to decompress and enjoy time alone, without the supervision of their primary caregiver.

Respite Care is usually offered in nursing homes or other long-term care facilities, where the elderly or another family member can have twenty-four hours’ access to care.

However, many seniors prefer Respite Care Services, which gives them a chance to enjoy a free period of time, away from their primary caregiver, while still receiving necessary assistance with daily tasks. Respite Care provides much-needed respite care services for seniors in nursing homes.

Respite Care for Adults

In the past few years, MI has emerged as a popular term for senior citizens or aged persons living on their own. The services of Respite Care for Adults are offered by many senior care facilities in Michigan like Alzheimer’s House, Care Alliance, Comfort House, Alzheimer’s Care, LLC, Eastpointe Assisted Living Facilities, Heartland Village, Inc., etc.

Respite Care for Adults in various MI senior care facilities provide home-based, full-time, or part-time respite care as per the individual or his or her particular needs and requirements.

Respite Care for Adults in various senior care facilities also offers services like housekeeping, laundry, transportation, errands, doctor shopping, grocery shopping, and more.

Adult Care Living Homes is provided by licensed and registered nurses, doctors, and other trained and skilled personnel to offer personalized, compassionate, professional care to seniors.

In Respite Care for Adults in Michigan, the aged and physically disabled individuals can choose between a short-term respite, long-term respite, or both.

The services are offered by licensed and registered nurses, doctors, and other skilled and trained personnel at the Respite Care for Adults in various MI senior care facilities.

Some Respite Care Services offer home-based, full-time, medical care to the elderly. The home-based services include medical monitoring, diagnosis and treatment, medication, therapy, care planning and treatment, and other related services.

Respite Care for Adults in Michigan offers services that help the aged and the disabled come under the care of health professionals.

The health professionals offer a variety of services like helping the patients look for appropriate doctors and health care centers, assistance in getting jobs, and arranging for necessary medical treatment.

There are also many Respite Care Services for the elderly in nursing homes that provide home-based, long-term care to senior citizens. These services aim at promoting self-reliance in older people so that they can retain their independence.

Most of the Respite Care for Adults in the state of Michigan are offered by long-term care facilities. Senior Respite Care Services has become extremely important for the well-being of the older citizens of Michigan because they offer the much-needed support and encouragement for the older generation to retain their individuality.

Respite Care Services MI

At Commands Respite Care Services MI, they get complete support and comfort like their own home through dedicated qualified staff who take care of their daycare requirements, toileting, meals, hygiene, health and medical care, emotional support, social interaction, group games, music, self-help, physical care and more.

Respite Care Services MI aims to provide the perfect blend of compassionate nurturing care to daycare providers at the same time as keeping them away from the daily stresses of the workplace.

Daycare centers have been receiving tremendous positive feedback from parents who choose it over other child-care facilities. Parents find it a perfect alternative to foster homes and costly daycare centers.

Respite Care Services MI also offers Respite Care Services for the whole family. Respite Care for the whole family includes home visits by a licensed daycare professional, play dates, and special programs for kids.

For parents who want a relaxed, peaceful, loving, and comfortable environment for their children, Respite Care Services MI can provide it. Respite Care Services also offers a child-oriented program for preschoolers to prepare them for kindergarten.

Respite Care Services offers a full range of services designed to meet the needs of parents and their young ones.

It caters to the needs of parents who don’t have time to look after the young ones or those with a busy schedule who don’t have time to go to daycare every day.

Respite Care Services is also committed to ensuring a safe, healthy, and nurturing environment for your kids. All these features help them grow and learn in a fun, secure, and positive environment.

What Services Do Respite Providers Offer?

Respite care services are provided by those professionals who have a passion to help other people cope with the illness, crisis, or even the death of a loved one. The services provided by Respite Care Services are not as simple as providing a simple bed and breakfast accommodation.

Rather, the professionals involved provide comprehensive assistance that may include therapy and counseling, accompaniment at funerals, and other similar services.

Respite Care Services is not restricted to the elderly only. Any individual or couple who is confronted with a personal illness or crisis can turn to Respite Care Services for assistance.

There is no age limit as to when a family member can avail of the Respite Care Services. Instead, the services are offered voluntarily.

Many families are ready to help when their loved one is in a critical condition but they are unable to because of monetary and other constraints. Respite Care Services provides the much-needed support by making the life of the individual a little less stressful.

In case of an illness or injury that leaves an individual bedridden, Respite Care Services can make life a little easier by preparing comfortable and practical accommodations that the individual can take advantage of.

These services also ensure that basic needs such as food, water, and shelter are provided to the individual, along with therapy and counseling. This kind of service has many benefits for those who need it and are willing to avail of it.

One just needs to call up the concerned Respite Care Services p

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