Everyone knows that someday they will need a little help for health care process. As we grow older our bodies wear down and eventually we are unable to do some of the everyday tasks we take for granted. Long term care is a variety of health care or child care services that includes medical and non-medical care to home health care, emergency care or the people who have a chronic illness or disability. Long term care helps to meet health or personal needs.

Long term care or long term health care process is defined as the inability to care for one's self due to an illness, injury or disability for an extended amount of time. This health care provides assistance with the activities of daily living and is provided in a home environment, assisted living community or nursing facility. It can last for just a few days to many years, or change from one level of care, or settings to another. Those requiring care can be of any age.

Most of long term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. The long term care facility can be provided at home as home health care, in emergency care, in the community, in assisted living or in nursing homes. It is important to remember that you may need long term care with a long term care insuance or long term care health insurance for your long term health care at any age.

Today, about nine million men and women over the age of 65 will need long term care, 12 million older Americans will need long term health care. Most will be cared for at home, family and friends are the sole caregivers for 70 percent of the elderly. A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more.

Long Term Care Helps to Cover:

• Daily activities such as bathing, eating, dressing.
• Cognitive impairment such as Alzheimer's and deals with care-oriented conditions, not cure oriented.
• Skilled nursing health care or rehabilitation training either in a nursing facility or at home health care.
• Who Pays For Long term care and what about long term care insuance?
• Many people are under the impression that medicare, medicaid or their health insurance will pay their long term health care costs.
• Medicare has eligibility requirements for skilled nursing care only and is for a limited time period.
• Health insurance and medical supplements DO NOT cover nursing home health care.

Long term care insurance was designed to make the long term health care insurance process as simple and easy as possible. All you have to do is fill out one form, then allow us to find the appropriate long term care insurance company that best meets your needs. You will receive a FREE, long term care insurance quote and can decide at that time whether or not to take the offer.

Who are the services for?

For those people who are limited in their ability to carry out normal or daily activities on a long term basis (examples: walking, bathing, preparing meals), and whose family or friends are no longer able to provide the necessary home health care facilities. Currently there are 10 million Americans in need of long term care services, and the number is expected to rise to about 15 million. Sadly, many individuals are forced to "spend down" their assets and live in poverty just so they can qualify for Medicaid to get the care they need. Presently, Medicaid pays 50% of the costs of long term care services.