Since it is almost always associated with the elderly, many people bear the notion that long term care planning should be done when one reaches the age of 60, or perhaps during his or her mid 50s. This is one factor that hinders uninsured individuals from coming up with a concrete plan for their future healthcare needs. What they should understand is the fact that anybody between birth and 92 can acquire a degenerative disease or an injury that will cease his body or mind from functioning normally. When you are no longer capable of doing the ordinary activities of daily living (ADL) on your own such as eating, bathing, dressing toileting, continence, and transferring or walking, you are no doubt a candidate for long term care (LTC). Long term care, to correct the misconception of a lot of people, is not the treatment of a person’s medical condition because this procedure is called medical care. When a person is advised by his doctor to remain in a nursing home for a certain period of time after his hospital confinement, this is a form of long term care. He is brought to a nursing home so that he can recuperate from an injury or an illness. While in the nursing home, the patient will undergo series of therapies and receive custodial care plus constant monitoring from a licensed nurse. Another form of LTC is called custodial care which is basically personal assistance in one’s ADL. One can receive this type of care in various LTC settings such as nursing home, assisted living facility, adult day care health center, or simply at home. According to LTC experts, it is very important that you identify your healthcare needs first before you pick an LTC setting. Majority of the population prefer to receive care at home but the U.S. Census Bureau revealed 40% of the population aged 65 and older will enter a nursing home at some point in their lives. Long Term Care Planning According to a study which was conducted by AARP, 89% of elderly people in America prefer to receive care in their homes. Many of them refuse admission into a nursing home despite the gravity of their condition. Now receiving care at home is not impossible but you must have the cash to afford this. At present, in-home care would cost roughly $76,000, a combination of the rates of home health aide services and homemaker services. Besides shelling out money for a home health aide and homemaker services, however, you will have to fork out a chunk of cash for home modification, as well, if you’re serious about staying home forever. Home modification is necessary to make it possible to integrate an electronic monitoring system and other structures such as handicapped ramps and security shower grips. Although aging in place is ideal, it is as expensive as a nursing home’s private room so to be able to enjoy this type of long term care planning is very essential.
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