What Is LTC?

Long-term care consists of a wide range of health and social services directed at all persons who, because of a chronic condition, need help in the activities of daily living. Activities of daily living include:

• Personal care; eating, grooming, toileting, dressing and bathing.
• Mobility; ability to walk or transfer (moving from the bed to a chair, or bed to floor, and vice-versa).
• Continence; the ability to control bowel and bladder.
• Home-administered health care services; include injections, dressings, physical therapy and other health care services.
• Household activities; things like meal preparation, money management, shopping and chores, but excluding yard work.

Although long-term care is often thought of as nursing home care, it is really much broader and includes informal support services and/or professional care at home as well as care in an assisted living facility or an adult day care center. As we become older, many of us become functionally incapacitated and need assistance with the activities of daily living for some extended period of time.

If you would like more information, have questions or suggestions, would like an agent to contact you, or want information about marketing LTC insurance, please Contact AIM/AIU. Thank you.

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