Baron Long Term Care Insurance

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What is Long Term Care?
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Things to Consider About Long Term Care
Important Items to Look for in a Long Term Care Policy
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Long Term Care and Medicaid
Tax Deductions for Premiums
Nationwide Average Cost of Care
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Specialized Home or Facility Services

Respite Care

  • Medical and Non-Medical Services to temporarily relieve caregivers of the daily stresses and demands of care for a family member.  Could last for a few hours or a few days.  In addition to services in the home, respite care may include short-term placement in adult foster care, assisted living, or nursing facility.

Hospice Care

  • Medical Services with an emphasis on providing comfort and pain relief for those who are terminally ill.

 Services in a Facility

 

Assisted Living

  • Independent housing that provides room, board, and personal care, as well as a range of services, including social and educational programming and case management.  Individuals can transition from completely independent housing units to extensive personal care within the same facility.  Some assisted living facilities have designated units for persons with Alzheimer's Disease.

 

Continuing Care Retirement Communities (CCRCs)

  • Housing, personal care, and health care in one location.  Arrangements vary widely, but individuals usually pay initial investment followed by monthly service fees for variety of services, ranging from assisted living to nursing home care.

 

Nursing Homes

  • A facility licensed by the Department of Public Health that is primarily engaged in providing nursing care and related services on an impatient basis for short and long-term care stays at skilled, intermediate, or custodial levels of care.

Information supplied by:  "Your Options for Financing Long-Term Care: A Massachusetts Guide", Massachusetts Division of Insurance, January 2002

 
Baron Long Term Care Insurance; (617) 823-8334