Long Term Care Considerations

Posted by on Mar 18, 2012 in Featured Articles., LTC | 0 comments

Below is an excerpt from the California 8 Hour Mandatory Long Term Care Course for brokers and agents.


The types of care and services that characterize long term care range from periodic assistance or unskilled care(often provided by family) to highly skilled nursing care.

-Quite often, an individual’s long term care begins with a need for only a minimal amount of assistance, such as help preparing meals or transportation.  If his or her medical and/or cognitive abilities start to decline, the person may soon additional  help with such things as taking medications or transferring.

-The next step on the continuum of care may involve a move to an assisted living community or other long term care facility.


The following are different types of Services that comprise the long term care continuum, from low intensity services through post-acute care care.

  • chore services-Volunteers or paid workers who buy groceries, mow lawns, run errands, and perform light housework.
  • senior center-Provides social activities, lunches, therapy, and games.
  • home health care-In home services by nurses, physical therapists, dieticians, and others.
  • rehabilitation program-Provides extensive physical therapy, occupational therapy, and speech therapy.
  • respite care-Care provided by individuals who relieve primary care givers.
  • retirement housing communities-For independent elderly, these communities offer individual living, self contained living units, building security, and social activities.
  • continuing care retirement community-Provides a continuum of care ranging from retirement housing to skilled care.
  • assisted living center-Offers medical attention, assistance with eating, bathing, and otheractivities of daily living.
  • skilled nursing facility-Provides intensive nursing care around the clock.
  • acute care-Surgical or hospital care with lengths of stays limited by diagnosis related group caps.


  • CUSTODIAL CARE(does not require doctors orders/personal care)
  • INTERMEDIATE CARE(medically supervised care)
  • SKILLED CARE(24hr/day/7 days/wk. care performed by skilled medical personnel)


As people age, the chance that they will require assistance increase significantly.  According to one study, half of all Americans age 65 or older will require some type of long term care assistance*.   By the time an individual reaches age 90, the risk of spending time in a nursing facility increases to 75 percent.

Women are more likely than men to eventually require long term care assistance, whether at home or in a nursing facility.  Most nursing home residents(68 percent) are women, and most(64 percent) of the 1.3 million individuals receiving home health care across the country are women as well.**


How expensive is care?  The 2010 average daily rate in the United States for a private room in a nursing home was $206 a day($75, 190 per year).  This represents a 5.1 percent increase over 2009.***  For a semi-private room in a nursing home, the 2010 average was $185 per day($67,525 per year), a 5.7 percent increase from 2009 average.  The average cost of care in California over the last 20 years has increased at 5 percent and in 2010, the average cost of one year’s stay in a private nursing room was $87, 345($239′ per day).

 CLICK HERE for cost break down around the state.



*California Partnership for Long Term Care

**U.S. Census Bureau, 2008.

***Genworth Financial 2010 Cost of Care Study Survey.


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