Foundation Medical Group

“Activities Of Daily Living,” is the most prevalent form of long-term care.

Personal care, often known as “activities of daily living,” is the most prevalent form of long-term care. As an example, getting out of bed and into a chair are examples of these tasks. Community services such as food, adult day care, and transportation are frequently included in long-term care. A price or no fee may be charged for these services.

Individuals who require long-term care are those who have a major medical condition that necessitates extensive hospitalization and specialized treatment. When a person has a long-term health problem or handicap, they may require long-term care. After a heart attack or stroke, long-term care may be required. The majority of the time, though, it comes on gradually when a person’s health deteriorates due to old age or a chronic illness or handicap.

Foundations Medical Group’s long-term hospitalization program gives patients the opportunity to benefit from our interdisciplinary medical staff, state-of-the-art equipment, and a dedication to infection prevention and control. Each patient and family receives a personalized treatment and discharge plan based on their unique needs, which we cooperate on and consult with the best professionals in the field to guarantee the most comprehensive recovery possible. The majority of our patients stay with us for a total of twenty-five days, with the goal being to return home or be transferred to a lower level of care.

Points to keep in mind:

  • If you or a loved one is having difficulty with daily tasks like getting dressed, eating, bathing, or transferring, you may need long-term care. Fortunately, a home health aide can provide this assistance. LTCI can help cover the costs of long-term care, which is something no one wants to think about. It may allow you to get care in the comfort of your own home rather than in an assisted living or nursing facility.
  • Taking care of someone else can be a significant financial and emotional strain. And 63% of carers use their own retirement and savings assets to pay for care because of the high expense of long-term care. Caregiving may also be difficult if your family members live far away or are unable to fit it into their schedules due to their own work or family obligations.
  • Long-term care is often not covered by Medicare. Under some conditions, Medicare will pay for home health care.
  • If you’re over the age of 65, you have a 70% probability of needing long-term care at some point in your life. For a variety of reasons, long-term care is difficult to predict whether you’ll need it.
  • You should buy a long-term care insurance (LTCI) coverage when you’re healthy — usually in your 50s — rather than wait until you’re sick or older and unable to pay it. The cheaper your insurance premiums will be the younger you are.

As a conclusion, caring for a loved one can be so emotionally and financially taxing that it pays to start thinking about long-term care ahead of time. Consult a financial advisor to learn whether typical or non-traditional long-term care insurance coverage can complement your present retirement plan.

Leave a Comment

Your email address will not be published. Required fields are marked *