Connecticut Long Term Care Solutions Group
Connecticut Long Term Care Solutions Group
Connecticut Long Term Care Insurance Group
Connecticut Long Term Care Insurance Group

What is Long Term Care?

Long Term Care is defined as needing care for 90 days or longer. Long Term Care is a range of services and supports you may need to meet your personal care needs. Most long term care is custodial care, which gives you assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:

  • Bathing
  • Dressing
  • Using the toilet
  • Transferring (to or from bed or chair)
  • Caring for incontinence
  • Eating

Or by itself, a cognative impairment.

 

Other common long term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including:

  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets
  • Responding to emergency alerts such as fire alarms

 

70% of people turning age 65 can expect to use some form of long term care during their lives. There are a number of factors that affect the possibility that you will need care: (Source: U.S. Department of Health and Human Services)

 

Age

The older you are, the more likely you will need long-term care.


Gender

Women outlive men by about five years on average, so they are more likely to live at home alone when they are older.


Disability

Having an accident or chronic illness that causes a disability is another reason for needing long-term care.


Between ages 40 and 50, on average, eight percent of people have a disability that could require long-term care services. (Source: U.S. Department of Health and Human Services)


69% of people age 90 or more have a disability. (Source: U.S. Department of Health and Human Services)


Health Status

Chronic conditions such as diabetes and high blood pressure make you more likely to need care.


Your family history such as whether your parents or grandparents had chronic conditions, may increase your likelihood.


Poor diet and exercise habits increase your chances of needing long-term care.


Living Arrangements

If you live alone, you’re more likely to need paid care than if you’re married, or single, and living with a partner.

 

Connecticut Long Term Care Insurance Group

CONTACT US:

 

Phone: (203) 939-7765

 

info@Connecticutltc.com



Or use our contact form.

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