At AM Warner Insurance, we help to give you the information needed to make wise personal choices for your future.
Here are explanations to many of the questions that we have received in regard to what exactly is long-term care.
 Long-term care is the medical, social, personal care and supportive services needed by people who have lost their ability to care for themselves due to a chronic illness or condition.
Long-term care services are provided when a person needs assistance (hands-on or stand-by) with some of the activities of daily living (ADL's). These include bathing, dressing, toileting, continence, eating or transferring. Or, you may be able to do all of your activities of daily living, but may need substantial supervision due to a severe cognitive impairment. This means you are mentally not responsible for yourself and your affairs. Most people think of Alzheimer's or Dementia, but it could also be caused by a mental illness.
The care provided could be skilled, non-skilled or custodial depending upon your care requirements.
Long-term care settings
Long-term care can be provided in a variety of settings. Your specific long-term care needs will generally determine where you receive care. Some needs can easily be taken care of at home, while others would be better provided for in a nursing home.
You may not have a choice in where you receive your care, your health may choose for you. Care can be provided in the following settings:
Alphabetical Listing of Long-Term Care Settings
Skilled Nursing Facilities
Skilled nursing facilities are a licensed facility that primarily engages in providing continual (24 hours-a-day, every day) nursing care to all of its residents. Typically care is performed by or under the direct supervision of a nurse. A nurse is on duty or on call in the facility at all times. It may be referred to as a long-term care facility or nursing home.
Assisted Care Facilities
Assisted care facilities are a residential living setting that provide individualized personal care and health services for people who require assistance with the activities of daily living. The types and sizes of facilities vary; they can range from a small home to a large apartment-style complex. They also offer varied levels of care and services. Assisted care facilities offer a way to keep a relatively independent lifestyle for people who don't need the level of care provided by a skilled nursing facility.
Home Care
Home care is generally considered appropriate when non-skilled care is needed. Skilled care can be provided in the home; however it may be cost prohibitive. Home care could consist of a weekly visit by a homemaker that performs housekeeping chores (cooking, cleaning, laundry or taking out the garbage) and a daily visit by a personal care attendant that provides assistance with bathing and dressing, or it may be a daily visit by a home health registered nurse or therapist.
Adult Day Care
Adult day care is a community-based service that was developed to help keep people out of nursing homes and in their homes. Care is provided during the day at a community-based center for adults who need assistance or supervision during the day including help with person care, but who do not need round-the-clock care.
Adult day care centers offer a form of support for those that live in their own homes or with their children by providing them an opportunity to get out of the house for social and mental stimulation. Adult day care centers offer family members who are providing care the chance to receive respite from providing care.
Nationwide Referrals
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