Long Term Care Options

999 Words Aug 13th, 2013 4 Pages
Long Term Care Options: Paper 1

Don and Mary Long term health care and end of life care is a reality that is usually inevitable. “Research shows that at least 70 percent of people over 65 will need long term care services at some point in their lifetime” (Centers for Medicare and Medicaid Services, 2012). There are many decisions that people must make in the event. Don and Mary are a married couple who have to make that decision. Don and Mary served together in the military. After the military they both made careers for themselves. Now they are retired and enjoying life traveling and spending time with family. However, now Mary has developed a disease called Alzheimer’s that has left her with a limited memory and sundowner’s syndrome.
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Mary’s sundowner’s syndrome leaves her confused in the afternoons and delirious which is why a skilled nursing facility would be best for the both of them. If the couple doesn’t mind being separated, Don can live in an assisted living facility. “Assisted living supports individuals who have restricted functionality (due to advanced age, disability, or some other factors) while encouraging them to live with some degree of independence” (McSweeney-Feld & Oetjen, 2012, p.25). This type of facility would be a good match for Don personally but a nursing home can also support his needs. Since the couple is married, it may be in the best interests to not separate them from each other. Don and Mary are not financially stable to pay for all the at home care they need, for long term health care is very expensive. They are often receiving financial assistance from family members. Just like Don and Mary, many people end up coming out of pocket to afford these services. “In 2008 the median annual rate for a private nursing home room was $67,525, compared with the 2013 median annual rate of $83,950” (Centers for Medicare and Medicaid Services, 2012). Don and Mary do carry Medicare insurance but they do not have long term health care insurance. Medicare will cover a portion of the long term care depending on the facility and the costs of care there.
The couple

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