Paying for Long-Term Care

WHAT LEVEL OF CARE IS RIGHT

Understanding the Care Continuum

ADULT DAY CARE

An ideal option for older adults who wish to age at home but need daytime supervision. Adult day care centers provide services which typically include meals and activities that provide social interaction. Some centers specialize in services for individuals with Alzheimer’s and dementia.

HOME CARE/HOME HEALTH

For seniors living independently but require assistance. Nonmedical care (home care) or skilled medical care (home health) aim to allow an individual to remain at home by filling any gaps in care. These care services can range from specialized such as wound care to generalized like companionship and housekeeping.

CONTINUING CARE RETIREMENT COMMUNITY

A housing option whereby a spectrum of aging care can all be met within one community. Beginning with independent living, moving to assisted living and finally skilled nursing as needed. All are typically located together on one campus.

INDEPENDENT LIVING

A housing option for individuals who require little or no assistance with activities of daily living but enjoy access to dining, medical, hospitality and entertainment services. Also known as 55+ apartments or independent/retirement communities.

Medicare

These types of care typically accept Medicare: • Skilled Nursing Continuing Care • Skilled Nursing Rehab • Home Health Care • Hospice Care

ASSISTED LIVING

A housing option similar to independent living but for those who require more assistance and have difficulty with daily living activities.

PERSONAL CARE HOME

Assisted living in a home-like setting and typically has fewer residents.

SKILLED NURSING/ REHABILITATION FACILITY

Ideal for those individuals who require constant nursing care. These facilities are licensed and equipped to provide residents with health care that meets the needs of more involved medical conditions.

ALZHEIMER’S/DEMENTIA CARE

Provides special programs and assistance for those with memory loss. Some facilities may provide special security measures.

HOSPICE CARE

End-of-life care for the terminally ill, usually via visits in the home or facility of residence.