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What is Long Term Care?

long term care [concept]
Eric Berkman- Licensed Life & Health Insurance AgentRead Time: <1 minute

What is Long Term Care?


Long term care refers to care services that are designed to help with people’s health or personal care needs for either a short or long duration so they can live safely and be as independent as possible when they are no longer able to perform everyday physical activities like they used to be able to.  Such activities are referred to as Activities of Daily Living (ADLs), including the following: 

  • Personal hygiene: This includes grooming, bathing, oral, hair, and nail care
  • Continence management: Possessing mental and physical ability that allows one to go to the restroom.
  • Dressing: The ability to choose and wear appropriate clothing for various occasions.
  • Feeding: Whether a person is self-sufficient, or requires assistance in eating
  • Ambulating: The ability of a person to change positions and walk independently is referred to as ambulating.

Long term care services can either take place in a person’s home or in a professional facility like a nursing home, assisted living facility, skilled care facility or a memory care facility.  Depending on what your specific condition is, some people might recover from the issue that’s causing them to need long term care, while others will need the care ongoing.  

Each person’s situation is different.  But, the most important thing to think about is making a long term care plan. Whether you will want to explore long term care insurance or not, it’s important to make a plan.  Reality is we’re all going to need help with many, if not all, the activities of daily living in our lives, and it’s better to be prepared than to be caught off guard when the time comes.


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