There are a number of misconceptions about who pays for long-term care.
Philadelphia, PA (PRWEB) May 03, 2015
National Debt Relief recently shared some insights an article published April 30, 2015 so consumers can understand long term care better. The article titled “7 Things You Need To Know About Long-Term Care” gives an insight on how different long term care can be from the regular health insurance that consumers know too well.
The article starts off by explaining how different long term care can be from the regular medical needs of a senior citizen. Long term care includes a number of different supports and services for an old patient. This covers assistance with some personal tasks and does not even include medical care. These are usually referred to as Activities of Daily Living or ADL.
These can include simple daily tasks as dressing or putting on clothes, taking a bath, using the toilet, caring for incontinence, transferring from the bed in the morning to a chair and back on the bed at night. Long term care also includes assistance in a simple task as eating at least three time a day for an old person.
Activities of daily living can also include money management for the elderly, monitoring and taking prescription medicines, some necessary housework, buying and groceries and clothes or even pet care for the elderly who has canine or feline companions at home. Long term care is not necessarily medical in nature and has a lot more to do with everyday living.
The article shares that there are a number of misconceptions about who pays for long-term care. While older citizens would be covered by Medicare for long-term care but only if skilled services or rehabilitative care are required in a nursing home for a maximum of 100 days but Medicare only covers 22 days of stay in a nursing home.
The article points out that long-term care insurance is unlike traditional health insurance. It is specifically designed to cover long-term supports and services including custodial and personal care in a home home, a community organization or a facility. To read the full article, click this link: [http://www.nationaldebtrelief.com/7-things-you-need-to-know-about-long-term-care/