Senior Resource Guide (Spring 2022)

Page 48

EARLY PHASE \\ LEGAL + FINANCIAL

PAYING FOR LONG-TERM CARE

L

ong-term care is a type of personal care service older adults may need if they become unable to care for themselves because of a prolonged physical illness, a disability or a cognitive impairment, such as Alzheimer’s disease. Long-term care can be expensive. Long-term care insurance is designed to cover medical and personal services in a number of settings such as your home, adult day care, skilled nursing facility or assisted living community. Most long-term care insurance policies are individual policies and can differ from one company to the next. According to medicare.org, long-term care may be divided into three levels: Skilled care is continuous “around-the-clock” care designed to treat a medical condition and performed by skilled medical personnel, such as registered nurses or professional therapists. Intermediate care is intermittent nursing and rehabilitative care provided by registered nurses, licensed practical nurses, and nurse’s aides under the • Medicaid supervision of a physician. • Medicare Custodial care is designed to assist with one’s activities of daily living (such • Long-term care insurance as bathing, eating and dressing). It can be • Long-term care provided by someone without professional riders attached medical skills but is supervised by a to a life insurance physician. policy or annuity Texas created the Long-Term Care • Accelerated death Partnership Program, which is a joint effort benefits from life insurance between private insurers and the state. For a list of companies participating in the • Personal cash or savings program visit: tdi.texas.gov/consumer

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Ways to Pay


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Steps to Take After the Passing of a Loved One

1min
pages 124-125

Understanding Hospice

4min
pages 116-120

Signs Not to Ignore Dementia versus

4min
pages 90-93

Care Transitions

1min
pages 94-95

Tips for Effective Alzheimer’s

1min
pages 87-89

Reminiscence Therapy

4min
pages 82-86

Steps to Take After a Memory Issue is Recognized

2min
pages 80-81

Why are Seniors More at Risk of Dehydration?

2min
pages 77-79

How Can You

2min
pages 72-73

Five Vital Tips to Help Deal with Caregiver Stress

3min
pages 66-69

Anxiety Reducing Drink Recipe

0
pages 70-71

Meaningful Minutes for Caregivers

2min
pages 64-65

Home Care versus

1min
pages 62-63

When Do You

2min
pages 60-61

A Guide to Medication

2min
pages 56-57

Having the Conversation:

2min
pages 40-41

Understanding Medicare: Parts, Plans and Meeting Your Needs

3min
pages 52-55

Paying for Long-Term Care

2min
pages 50-51

Five Must-Have Legal Documents

2min
pages 48-49

Ombudsmen are

2min
pages 38-39

Warning Signs of Unsafe Driving in Seniors

2min
pages 36-37

What Level of Care

1min
pages 28-30

5 Steps to Take When Your Parents Require Different Levels of Care

3min
pages 31-33

How to Handle Anger Difficult Behavior?

5min
pages 16-21

Get Connected

2min
pages 26-27
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