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About Long-Term Care
What Is Long-Term Care?
Long-term care provides ongoing support for individuals who need help with daily activities due to aging, illness, or disability. It ensures safety, dignity, and quality of life by offering personalized assistance with things like bathing, medication management, and mobility. Long-term care also gives families peace of mind, knowing their loved ones are receiving consistent, compassionate support tailored to their needs.
Types of Long-Term Care
Whether that care happens at home, in a community setting, or a specialized facility, the goal is to promote dignity, independence, and quality of life.
Cost of Long-Term Care
Understanding the cost of long-term care is an essential step in planning ahead and making confident, informed decisions for the future.
Planning Options
Exploring planning options for LTC empowers individuals and families to prepare thoughtfully, protect their assets, and ensure care preferences are honored when the times comes.
Types Of Long-Term Care
Long-term care is all about providing ongoing support, comfort, and peace of mind for individuals who need help with daily living over an extended period of time. At it's heart, long-term care is about people caring for people - building trust, offering compassion, and creating a safe, supportive environment where individuals can truly feel at home.
In-Home Care
Personalized support brought right to your home, helping you or a loved one stay safe, comfortable, and independent while receiving the care you need.
Adult Daycare Programs
Adult daycare programs offer a safe, engaging place for adults during the day while giving family caregivers time to recharge.
Assisted Living
Offers a supportive comunity where daily help is available while still encouraging independent and an active lifestyle.
Memory Care
Memory care provides specialized support in a secure, compassionate setting for those living with Alzheimer's or other forms of dementia.
Nursing Home
Nusring homes provide 24/7 skilled medical care and supervision for individuals with more complex health needs.
Hospice and Palliative Care
This option focuses on comfort, dignity, and quality of life by supporting both patients and their families during serious illness.
Cost of Long-Term Care
As you prepare for retirement, it’s natural to concentrate on income, investments, and the lifestyle you envision. Yet one significant expense is often pushed aside until it suddenly becomes unavoidable: long-term care. From assistance at home with everyday tasks to support in an assisted living community or full-time care in a nursing facility, the need for care can come with a substantial price tag—and those costs continue to climb.
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​The cost of care varies depending on the type of services needed and where you live. Here’s a look at the national averages:
Location
Type of Care
Average Monthly Cost
Homemaker Service
Home Health Aid
$6,292
$6,483
At Home
Assisted Living
Nursing Home (semi private)
$5,900
$9,277
Nursing Home (private)
$10,646
Adult Day Health Care (ADC)
$2,167
Community
Source: CareScout Cost of Care Survey, July through December 2024
Cost Drivers: Inflation and high demand (84% occupancy rate for assisted living) are driving up costs.
LTC Planning Options
Preparing for long-term care is a meaningful way to safeguard your health, independence, and financial well-being. Starting early gives you greater flexibility and more options to choose from. Whether you’re planning well in advance or navigating a more immediate situation, there are several strategies to consider. Let’s take a look at the primary options available to you.
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Long-Term Care Insurance (LTCI) – The Best All-Around Solution
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Short-Term Care Insurance – A Limited Safety Net
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Medicaid Planning – A Last-Resort Option for Crisis Situations​​​​
