Essay On Long Term Care Insurance

Issues with long term care services include employee turnover, regulation, employee communication and especially payment for services. Legal concerns associated with long-term care are the rise of population who will eventually need it. The demand for long-term care services are going to explode as the population ages and more people are living longer with chronic conditions. But the main questions still remains, who will pay for these services and how will they be delivered? When I say this I’m referring to the actually facilities themselves, will there be space for patients when the time

Long-term care can be defined as a broad set of paid and unpaid services for people who are mentally or physically disabled, or whose chronic illness places them in need of medical or personal assistance for long periods of time. “It is estimated that there are more than twelve million Americans of all ages whose mix of serious disability and chronic illness places them at the high risk for functional decline, hospitalization, or nursing home placement.” (Benjamin) Several different populations require long-term care services, and the needs of these populations vary. In addition to the elderly, many of the long-term care users are younger persons with physical disabilities; persons with developmental disabilities; and persons with chronic

According to Barton (2010) Long-term Care “emphasized continuous care over a period of at least 90 days for a range of acute and chronic conditions. Regardless of the length of time (i.e., from weeks to years), LTC is an array of services provided in a range of settings to people who have lost some capacity for independence because of an injury, a chronic illness, or a condition” (pg. 349). This is the description of someone who may have been in a debilitating car accident, an elderly person with Alzheimer’s and dementia, a person diagnosed with chronic mental illness, and individuals who are developmentally delayed or “disabled.” People who are placed in these type of long-term care facilities are usually screened using two different

Speaking to a lady who reside at Atlantic shores skilled nursing and Rehab and whom I will refer to as Mary to respect her privacy and for following the rules and guideline of Health Insurance Portability and Accountability Act (HIPPA). Mary states that with all her chronic ailments and diseases, it is good for her to live within the LTC because her illness are monitored and her medications are managed well. She further went on to say that if something goes wrong, help is always readily available.

According to Edlund et al., (2003), the Long-Term Care Security Act signed in 2000 by President Clinton established the Federal Long-Term Care Insurance Program, which in 2002 offered a long-term care insurance program to federal government employees, retirees, and their family members. This type of long-term care employer assisted insurance has great appeal as the last of the Baby Boomers have entered their early fifties. In “Ready, Set, Grow,” Paul Barr (2014) stated that there are 10,000, Baby Boomers per day becoming eligible for Medicare, and those in their sixties focus on cost saving solutions; whereas Baby Boomers in their fifties emphasize the importance of quality, and ease of access while exploring new care models with innovative patient interactions and unique financing

Long-term care has many funding sources which includes government funding, privet insurance, out-of-pocket payments, and any combination of any of these programs. Privet insurance includes insurance for long-term care and managed care (HMO, PPO, POS). While government funding includes Supplemental security income, Department of veteran affairs, Older American act, Medicare, and Medicaid. With Medicare and Medicaid providing the most funding to long-term care (Pratt, 2016, p. 292-306). If Medicare and Medicaid are the biggest funders for long-term care what services do they cover, who do they cover, and what restrictions are put on the recipeits?

Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, eating, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. Long-term care can be given at any age depending on

As reported by the Department of Health (DH), there are 15.4 million people in the United Kingdom living with LTCs and these numbers are expected to increase due to the ageing population and their unhealthy life style choices (2010). LTCs are more common in people from lower economic backgrounds, due to their financial difficulties, and according to research, the number of people with more than one LTC is expected to grow from 2008 by 1 million (The King’s Fund 2015). This issue caused the birth of the 2010-15 government policy on long term conditions, which aims for England to be one of the best countries in Europe at assisting patients with LTCs to live a healthy and

Long-term care is a result of people having terminal conditions, disabilities, illnesses, injuries, or being elderly. The purpose of long-term care is to provide services to people and to aid people at a time in their lives when they cannot depend on themselves to maintain daily activities. There are many variations of long-term care available – such as home care, adult day care, and independent and assisted living, personal care facilities, nursing homes, and hospice.

Seniors who fall under a coverage hole will start getting some help. Some are saying that seniors may lose Medicare benefits they now enjoy, but that is not true. The health reform act will not cut guaranteed benefits; a person will still be able to maintain the coverage they want. Americans on Medicare will receive free preventive care without co- payments or deductibles. Seniors will also receive $250 to help pay for their prescriptions. There will also be alternatives to nursing home placement, such as day-service programs, home-care aides, meal programs, senior centers and transportation services. A public, voluntary long-term care insurance program known as the Community Living Assistance Services and Supports, have enrolled individuals who have substantial daily needs to receive at least $50 a day. This money is to be used to defray the costs of services such as home care, family caregiver support, and adult day-care or residential care.

The continuum of institutional long-term care is for patients whose needs are not adequately met in a more community-based setting. It is for individuals who need more dependency. There are two ends of the continuum of institutional long-term care spectrum. On the one end there are the individuals that may only need basic personal or custodial care (Shi & Singh, 2015, p. 399). An example of personal and custodial care can include help with walking, bladder training, or just helping with bathing. On the other end there are the individuals that may need more round the clock care with nursing or specialized services along with the basic needs (Shi & Singh, 2015, p. 399).

Another part of the continuum is health care resources available to the patients. Long-term care does contribute to the management of these resources. Without LTC, these resources would not be in such high demand. According to Medicare.gov, there are many resources that go along with long-term care that need to be used, such as drug and health plans, doctors, hospitals, formulary finder, long-term planning, home health agencies, nursing homes, medical equipment suppliers, dialysis facilities, forms, and publications (Medicare.gov, Resource Locator). These resources will help the patients and their families find the best collaboration of services to meet their needs.

This paper will review the many aspects of long-term care problems and many challenges there are within Long-Term care. We will look at rising costs within long-Term Care, patient abuse, will look at the quality of life, shortages of nurses and demand that the elderly are putting on the medical field. The type of care that Long-Term Care had been giving to its patients and the changes within Long-Term Care.

Individuals living in Long Term Care facilities are among the most vulnerable of populations during a disaster. Many lessons have been learned from devastations like Hurricane Katrina, Rita, and Wilma that occurred in 2005 in regards to the disaster preparedness levels of Long Term Care Facilities (LTC).

There is a broad aspect when talking about long-term care for a person. There are in home care services, there is also health and personal service that are provided for a disabled person with a chronic disease over a long period of time. In the National Academy of Science it states that approximately 1.45 million adults live in a nursing home while another 750,000 elder adults live in some type of alternative residential care facility. In a residential care facility they provide everything that is needed for their living for instance food, medication services, and their electrical expenses they do not have to worry about paying any bills in their everyday living. We have to take into account though the elder that live in their own home that can function on a daily basis for themselves and just need a little care cleaning their house or going to the store for their necessities in life. Where dose that come into play when considering the health care premiums?