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Long-Term Care Options

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Long-Term Care: Nursing Homes, Assisted Living, and Home Health Services on the Web

As one grows older, the prospect of needing nursing home care or another form of living assistance becomes increasingly real. The National Clearinghouse for Long-Term Care Information estimates that more than 60 percent of people over the age of 65 will require long-term care services at some point in their lives. For those who are sick or have disabilities, more specialized living arrangements may be necessary. The Web has many resources for exploring long-term care options.

Long-Term Care Options

Care options for the sick or the elderly vary greatly and are largely need-based. For example, assisted living facilities generally serve elderly people who can maintain a reasonable degree of independence, but need help with daily tasks such as keeping track of their medications or preparing meals. On the other hand, nursing homes usually serve those who require continuous medical care. The following Web sites can help you learn about the basic types of care available to you or a loved one.

Dulcinea's Insight

  • It’s best to think of long-term care options as a progression that begins with a person remaining at home and living independently. The first stage is home care, in which a nurse comes to help with certain daily tasks, like doing laundry, and may perform routine tests, like checking blood pressure. The next step is assisted living, where a person leaves home and resides in an apartment or cottage on a center’s campus. There, someone will visit daily to help the resident bathe, clean, or make sure any medication has been taken properly. The center may provide meals or allow residents to prepare them in their kitchens. At the other end of the spectrum is a nursing home, in which a resident needs continuous medical care, or what’s also known as “skilled nursing care.”
  • A person's ability to perform the activities of daily living is one of the major factors used to determine what type of assisted care a person requires. Those in assisted living can usually perform more of these tasks than a nursing home resident.
  • People with Alzheimer’s disease or dementia have different assisted living and skilled nursing needs, and some facilities have separate units designed to care for them. The primary difference is the units are secure to prevent residents with dementia from wandering away, which is a very common behavior. For more information on Alzheimer’s, take a look at our findingDulcinea Alzheimer’s Disease Web Guide.
  • Although it’s primarily older adults who reside in nursing homes, there are situations in which a younger person may need skilled nursing care. Even though information on the Web caters to older people, it could apply to younger people, too. Check with an individual facility to be sure. 

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Finding and Choosing Long-Term Care

The first step in choosing a long-term care provider is to know what type of care someone requires (for example, skilled nursing or help with daily living). Once you answer that question, it's time to start researching individual facilities. But what should you look for? How do you know if one nursing home or assisted living facility is better than another? The Web has an array of checklists and expert advice that can help you find the living arrangement that is best suited to your needs and preferences.

Dulcinea's Insight

  • The Web is an invaluable resource for researching and comparing living and care options, but it can't convey the overall atmosphere of a facility and the attitude of staff and residents. You'll have to go experience that in person to see if you or your loved one would truly be happy there.
  • Although this section includes sites discussing the potential dangers of long-term care facilities, you can't allow yourself to become overly fearful. Instead, be aware that problems do exist in some places, and use the Web to learn how to spot a problem facility before you or a loved one moves in.
  • Some nursing homes, home health, and assisted living entities are members of the Better Business Bureau. Check here to see whether any complaints have been filed against a facility you are considering.
  • Work with your doctor to determine what type of facility might best fit your needs.

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Paying for Long-Term Care

Costs are a major factor in determining the type of care you obtain for yourself and a loved one. If you have questions about the costs of nursing homes, assisted living facilities, or home care, use the sites below to find the answers you need.

Dulcinea's Insight

  • As you probably know, you'll have to be certain you understand the payment options available at a senior care facility. Some, for example, only accept private pay patients. You could save yourself time by asking what type of payment a facility accepts before you schedule a visit to the facility.
  • If you’re planning to pay for care with your own money, another good question to ask a facility is what happens if your funds run out.
  • Medicare and Medicaid are two programs that could help pay for long-term care, but only if you or your loved one meet certain criteria. We have included sites to help you learn more about both programs.
  • Your Social Security benefits can also be used to help pay for your healthcare. People 65 and older may also qualify for Supplemental Security Income (SSI). The Social Security Web site explains how to determine whether you qualify for SSI benefits and explains how to apply for the program. The application process can take a long time.
  • Nursing homes are the most expensive type of long-term care, followed by assisted living facilities, then home health. There are more options to help people stay in their homes longer. See our “Home Care” section to learn more.

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Adjusting to Long-Term Care

Moving into a long-term care facility can be hard on the person leaving his home and the family members who are helping him. If either you or your loved one are having a hard time with the transition, use these sites to help adjust to the new living arrangements.

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  • The staff at the center you or your loved one is moving into may have tips and advice to help you both with the transition.
  • Maintaining as much involvement as possible with your loved one can also help them stay happy and upbeat. If the nursing home or assisted living facility where your relative is staying maintains a Web site, check for any activity/event calendars that will help you know what's going on and schedule a visit to participate along with your loved one whenever possible.

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Home Care

If, after all your research, you've decided that moving yourself or a relative to a long-term care facility just isn't right for your family, you can also consider home care. In some ways, this choice is also a difficult one because although it might feel right to help a parent or relative remain at home, it can mean significant lifestyle changes for the caregiver. Use this section to learn about health and other services available for those who remain at home, plus resources for caregivers.

Dulcinea's Insight

  • Many Web sources agree that part of caring effectively for an elderly or sick person at home is remembering to care for yourself and finding additional support resources when you can. The Web sites in this section can help you learn how to care for someone at home, and connect you with professional support information and personal stories to help you cope with any stress associated with care giving.
  • If you don’t live near your loved one and they don’t want to move, a home health care agency might be the best option. Many areas also have helper services in which a person cleans, prepares food or runs errands for someone who isn’t as mobile.
  • Your local Area Agency on Aging (AAA) can provide resources to help your relative with activities of daily living, such as providing meals, caregiver support, transportation, and an assessment of an elderly person's need for services. To find an AAA in your area, call (800) 677-1116.

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