What is Long Term Care?
Long term care is needed when an individual is unable to live independently. The need for assistance is required because an individual is unable to perform their own personal care tasks. Examples of personal needs are: bathing, dressing, toileting, eating, continence, and getting up from a seat.
If the need for care continues for 90 days or more, it is termed “long term” Federal Gov. Health Insurance Portability and Accountability Act 1996.
The care is given by another individual who may be trained to provide supportive services. Frequently, a family member or friend provides the care (informal care provider). There always is a cost. The cost may be monetary to the dependent person. The informal care provider may bear monetary cost and emotional/physical stress which impacts their well being.
The monetary cost varies from one geographical location to another. The amount and skill level of the care required is another determining factor of the total cost of care.