Long-Term Care

What is Long-term care?

Long term care, also known as custodial care, is the type of care one receives when he or she cannot perform their “Activities of Daily Living” (ADLs) without assistance of some kind. ADLs include bathing, eating, dressing, transferring, toileting, and continence. Some people may be able to perform all of their ADLs, but due to cognitive impairment such as dementia or Alzheimer’s, they often need to be reminded to perform them, or to be in a protected environment.

By definition, long term care is usually needed for at least 90 days.  This usually occurs due to onset of some sort of chronic illness such as a stroke, Alzheimer’s or other form of dementia or cognitive impairment; or some chronic disability or loss of mobility, etc.  In the case of such a long term care event in ones life, one would need to get help in order to maintain a sense of independence.

Though the majority of people receiving long term care are seniors, nearly 40% of people receiving care are adults under 65 years of age.  The number of people needing long term care is expected to grow by more than 30% (about 1/3) by 2020.

What Are the Odds?

According to the US Department of Health and Human Services’ National Clearinghouse for Long Term Care, “at least 70% of people over age 65 will require some long term care services before they die. Over 40 percent will need care in a nursing home for some period of time.” Yet 37% of all people receiving long term care in the US are actually under 65 years of age.

What Are the Costs?

Costs vary by the type of services being provided, and geographically. In-Home support services are usually billed by the hour, and is the type of service preferred by most. This helps people stay home. Day care services assist people in staying home by providing respit to family and other caregivers, and providing an inexpensive way to provide care (and socialization) for those who need it. to be used. Assisted Living communities provide room and board as well as assistance to people in need. Finally, skilled nursing facilities (nursing homes) are for people who require ongoing medical attention that can be provided by nurses. Each of these types of care has their own rates.

Each region and each state has its own rates. The rates listed below for the services mentioned above are for the state of California.