Melissa Banks Susie Lee Jessica Dominguez Norma Rubio Maria Delgado

Jenoveba Clay

Presented by:

HSCI 360 Dr. Lindfelt

Long-term care is a range of services and supports you may need to meet your health or personal needs over a long period of time.
Activities of Daily Living (ADLs) such as: Bathing, Dressing, Using the toilet, Transferring (to or from bed or chair), Caring for incontinence, Eating Instrumental Activities of Daily Living (IADLs) such as: Housework, Preparing and cleaning up after meals, Taking medication, Shopping for groceries or clothes, Using the telephone or other communication devices, Managing money, Caring of pets, Responding to emergency alerts such as fire alarms

People that are not able to complete personal care or other daily activities on their own.
chronic illness or disability
memory loss, confusion, or disorientation = cognitive impairment.
Children with intellectual and developmental disabilities such as mental retardation and autism. Young adults with spinal cord and traumatic brain injuries Older people with Alzheimers disease, diabetes and pulmonary disease

10 million people need LTC services now 63 % are 65 and older. by 2030-65 years of age and over requiring LTC services will double to approx.12 million

WHY??? Baby boomersOne study predicts an increase from 3.8 million people with Alzheimers disease in 1990 to 14.3 million by 2040. (U.S. Department of Health and Human Services )

Skilled Nursing Facility-nursing home certified to participate in,

and be reimbursed by Medicare

Nursing Home-

for those who require care around the clock at and at a much higher level; nurses 24 hours a day

Home Health-Nursing care,Change dressings,Medication

monitoring,Bathing,Short-term rehabilitation (PT, OT, ST),Homemaker services (meal prep, shopping, transportation, medical equipment, chores

Assisted Living Facility-housing alternative for older adults who

may need help with dressing, bathing, eating, and toileting, but do not require the intensive medical and nursing care

Adult Day Care-

used to relieve the caregiver or his or her duties for the day while ensuring that the care recipient will still receive the proper care

Hospice Care (palliative)-Provides services for the terminally ill

with life expectancy of six months or less;special needs of dying persons and their families.

 Medicare-pays for health care for people

age 65 years and older, people under age 65 with certain disabilities, and for people of all ages with end-stage renal disease

Skilled Nursing Facility Medicare will pay if:

recent prior hospital stay of at least three days admitted to a Medicare-certified nursing facility within 30 days of your prior hospital stay need skilled nursing services, physical therapy, or other types of therapy.

If conditions are met Medicare will pay:

Costs up to 100 days The first 20-100 days Medicare pays 100% of costs Days 21-100; own expenses need to be paid up to $137.50/day; Medicare will pay any remaining balance left.

Home Health Care covered if:

homebound by an illness or injury short-term skilled care not around-the-clock care no more than 35 hours per week

Hospice is covered:
If patients have a terminal illness and are not expected to live more than six months If you qualify for hospice Medicare covers: drugs to control symptoms of the illness and pain relief medical and support services from a Medicare-approved hospice provider & grief counseling (which is not usually covered) You may receive hospice care in your home, in a nursing home, or in a hospice care facility Medicare also pays for some short-term hospital stays and inpatient care for caregiver respite

A joint federal and state government insurance program that helps people of low income pay for some or all of their health care bills In order for Medicaid to cover your long-term care services, a medical specialist in your state must evaluate your needs and decide if you need long-term care services the specialist will make their decision based on whether you need assistance performing certain Activities of Daily Living (ADLs) If you do need long-term care services, the specialist will usually determine if you need nursing home care or home and community-based services

Medicare, Medicaid or Private insurance

Assisted living facility (and similar facility options) Continuing Care retirement community Adult day services

The cost of long-term care depends on

the type and amount of care you need the provider you use where you live

 $222 per day for a semi-private room in a nursing home (2011) $248 per day for a private room in a nursing home (2011) $3,477 per month for care in an assisted living facility (for a onebedroom unit in 2011) rose to $3,650 in 2012 $21 per hour for a home health aide (2011) $19 per hour for homemaker services (2011) $70 per day for services in an adult day health care center (2011) $95 per day hospital based (HB) hospice (ALOS 62.3 days) $66 per day home care (HC) hospice (ALOS 72.5 days)

there is a good chance you will need some LTC services if you live beyond the age of 65. About 70 percent of people over age 65 require some type of LTC services.
Factors:
Your parents and grandparents. How old are they, or how long did they live? Did they have heart disease or another chronic illness?

Planning ahead can be very beneficial in the long run because it gives you time to save for your long-term care needs Or to find the best payment option that work
best for you if you need services.

Your age, health status and whether or not you are living with a disability are important factors that need to be taken into account for the future. Planning helps you Understand:
Services available from your family and in your community Special conditions (such as age or income) that may apply for receiving services. Costs of Services Public or Private Payment options available to you.

Costs of care
Public Programs

What does care cost where you live? Who pays for LTC Services?

Private Financing

Medicare Medicaid Older Americans Act Program Veterans affair LTC Benefits
Long- Term Care Insurance Trusts Annuities Reverse Mortgages

Finding Services

http://www.longtermcare.gov/Main_Site/Finding/Index.aspx

Most people dont realize how difficult it is to save enough money to pay for long-term care services.
Services like bathing, doing household chores, meals, adult day care and transportation are type of services that can be expensive.

LTC Savings Calculator

http://www.longtermcare.gov/LTC/Main_Site/Tools/Savings_Calculator.as px

 healthy behaviors that can help impact on in later life

Healthy eating Active social engagement Physical activity

Mental stimulation Not smoking Maintaining a safe environment Moderate use of alcohol Social support

Regular healthcare

 Leave

Work or Can Not Work Insufficient Resources Emotional and Financial Stress on the whole family. Budget Caregiver assistance can be costly Attorney Specialize in Estate Planning & Certified Public Accountant

 Health

of one family member can affect the health and well-being of the family as a whole Lack of knowledge about cost of care Lack of Social Services to facilitate coordination of total care needs Deal with doctors who dont talk to one another or to you Train people without experience Culture/Religion

 Physical

(Burn out) Emotional / Feeling of Stress & Burden Social Negative feelings (such as anger) Dissatisfaction Guilt Frustration Tension Family Conflict Poor health

Long-Term Care Insurance

A Long-Term Care Insurance Policy May help protect your retirement savings Helps you to receive the care you need in the setting thats right for you even in your own home May help you maintain your independence and avoid relying on your children

A Long-term care insurance policy pays benefits for services you receive in:

Your home An assisted living facility A nursing home

No one knows what the future holds.

As people age, they may need some form of assistance Accidents and injuries mean young people may need long-term care services, too

Youre never too young to need long-term care services