What is Long Term Care? Long Term Care is a term that encompasses all of the services that a person needs when he or she has lost the capacity for some of the Activities of Daily Living (known as ADLs in by the community of care givers, care administrators and Insurance Companies). The list of these activities is generally recognized as the following: Bathing Dressing Toileting Transferring i.e. to or from a bed, a chair or a wheel chair Continence Eating A personal situation that often results in the need for Long Term Care may or may not include the loss of the Activities of Daily Living mentioned above, but comes from the cognitive impairment that can come from Dementia or Alzheimer’s disease Loss of some of the Activities of Daily Living is seen as a loss...

  Important and perhaps surprising facts about Long Term Care and Long Term Care Insurance 71% of Long Term Care services are home- based (Nursing Home claims are less than 10% of Long Term Care Claims).  73% of the care-givers are family and friends. For every person confined to a nursing home, there are 6.8 people with the same restrictions and health issues receiving care at home. 51 Million Americans are caring for aged and incapacitated friends and relatives.  There are more people in Adult Day Care programs than there are children in Child Day Care programs.  42% of the people who need Long Term Care are under 65 years old.  Assisted Living facilities charge 56% of what nursing homes charge.   The need for Long Term Care generally is defined as a...