Long term care provides essential help for daily activities. From walking and eating to bathing and dressing, these are the activities that allow people growing older, or coping with chronic illness, to preserve as much of their lifestyle, independence, and flexibility as possible.
 
Long term care includes the necessary skilled and custodial care that a chronically ill or frail individual requires. Diagnostic, therapeutic, preventive, and rehabilitative services all have their place in a comprehensive program. The primary focus of long term care is, however, on the personal care and maintenance that will preserve daily independence and dignity over time. It is difficult to anticipate and plan for long term care needs because so many factors are involved in the decision making, such as:

   • Ambivalence about long term living arrangements as physical capabilities decline
   • Inability or unwillingness of family members to provide periodic or ongoing support when the time comes
   • Misinformation about long term care options or services available through health programs, Medicare, etc.
   • Difficulty in juggling financial and family priorities when planning for long term care

The financial implications of a chronic disease or other debilitating condition that requires long term care are great. Costs are expected to triple over the next two decades. There are solutions to the long term care dilemma, and we can help you find the right solution for you.