Long-term care refers to a broad
range of supportive medical, personal and social
services needed by people who are unable to meet their
basic living needs for an extended period of time. This
may be caused by accident, illness or frailty. Such
conditions include the inability to move about, dress,
bathe, eat, use a toilet, medicate and avoid
incontinence. Also care may be needed to help the
disabled with household cleaning, preparing meals,
shopping, paying bills, visiting the doctor, answering
the phone and taking medications. Additional long-term
care disabilities are due to cognitive impairment from
stroke, depression, dementia, Alzheimer's, Parkinson's
and so on.
Long-term care requires a healthy person to provide support
for the disabled person. This support can be offered at home
or in an institution. As a rule, those who are disabled
prefer to stay at home and most of the time so-called
informal care givers (family and friends) prefer the home as
well, but the deciding factor of where to receive help
ultimately centres on the nature of the disability. For
example, a wife caring for her overweight husband may be
unable to help him bathe, dress, use the toilet or even
transfer from the bed to a chair. She will either have to
hire aides to come to the home or put him in an institution.
Another example might be an Alzheimer's patient who has
become unmanageable and must receive constant supervision.
This may be impossible at home and an Alzheimer's facility
may be the only solution.
Long Term Care Insurance Quote available for the following states in the USA:
Alabama - AL, Alaska - AK, Arizona - AZ, Arkansas - AR, California - CA,
Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC,
Florida - FL, Georgia - GA, Hawaii - HI, Idaho - ID, Illinois - IL,
Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine
- ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Minnesota - MN,
Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, Nevada - NV,
New Hampshire - NH, New Jersey - NJ, New Mexico - NM, New York - NY, North
Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Oregon - OR,
Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota -
SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA,
Washington - WA, West Virginia - WV, Wisconsin - WI, Wyoming - WY.