Understanding Long-Term Care: Types, Settings, and Insurance Options

LTC stands for Long-Term Care. It refers to the type of care that is needed by individuals who require ongoing assistance with daily living activities due to a chronic illness, disability, or advanced age. Long-term care can be provided in various settings, such as nursing homes, assisted living facilities, and home care.

Long-term care is designed to help individuals who need ongoing support with activities of daily living (ADLs) such as bathing, dressing, eating, and using the bathroom. It can also include assistance with managing medications, mobility, and other tasks that are essential for daily life.

LTC insurance is a type of insurance that helps cover the costs of long-term care services. It can provide financial protection for individuals who may need long-term care in the future, allowing them to access the care they need without depleting their savings or assets.