California Long Term Care Insurance

Even though people are living longer, more are requiring expensive assistance in their later years. Long-term healthcare services can be provided in your home, in an assisted living facility or in a nursing home. In many cases the family is no longer able to provide such care around the clock. Family members may not live nearby; they may have other pressing family commitments, or simply cannot get the time off work or be away from the home.

Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. California Long-term insurance care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.

You may never need long-term care. This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term 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.

It is very likely that someone you know needs help with the activities that many of us take for granted while we are still able to perform them - eating, bathing, dressing, etc. According to the Health Insurance Association of America, 48.6% of people age 65 and older may spend some time in a nursing home and 71.8% of people age 65 and older may use some form of home health care. Additionally, less and less of nursing home costs are paid by Medicare Part A. The average annual nursing home cost has exceeded $40,000 and often much more.

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