Long-term care (LTC) includes a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time.
In this type of situation, special sensitivity and compassion is required in order to best meet to evolving needs to the individual requiring care. All American Advisors specializes in helping to educate our clients on the variety of Long Term Care options available. Whether you are considering these options for yourself or for a loved one, we are here to help you every step of the way.
The main services that we specialize in helping our clients investigate are:
- Custodial care: also known as Adult Day Care, this service is typically employed for a cognitively impaired individual who still lives at home with a normally functioning spouse. The caregiver is present to assist with everyday activities like dressing and bathing.
- Assisted living: an Assisted Living Facility (ALF) refers to a non-institutionalized facility used by individuals who are not able (or do not desire) to continue living on their own, but who do not need the continuous care of a nursing home. Individuals who select this type of Long Term Care typically receive their own private apartment in a larger complex, where trained staff are on-site around the clock to provide for the needs of the residents. Meals are provided at a central dining location, and oftentimes there are social activities planned by the facility for anyone interested in participating. Residents also benefit from a cleaning/maid service.
- Skilled nursing: this is the most traditional form of Long Term Care, where individuals take up residence at a skilled nursing facility (SNF) or rest home. This environment is best suited for individuals who require constant nursing care and have significant difficulties with activies associated with daily living. A skilled nursing facility is different from a nursing home.
- Hospice care: also known as palliative care or the treatment of pain. It refers to any form of Long Term Care or treatment that concentrates on reducing the severity of disease symptoms, rather than providing a cure. The goal is to prevent and relieve suffering and to improve quality of life for people facing serious, complex illness. Usually, this type of care is employed in the final twelve months of life for individuals who desire to spend the remainder of their lives at home, surrounded by family. The goals of palliative treatment are: relief from suffering, treatment of pain and other distressing symptoms, psychological and spiritual care, a support system to help the individual live as actively as possible, and a support system to sustain the individual's family.
All American Advisors has extensive experience in providing for the needs of our clients, whether individuals or their families, in helping select the right type of Long Term Care. We know how important it is to ensure a top quality living experience for loved ones, and at the same time are well aware of the mounting financial strain that Long Term Care can introduce. It is our aim to provide both compassionate and honest advisement concerning the options available, as well as thorough and dynamic solutions for meeting the associated financial needs.
Contact us for a free assessment of your Long Term Care options.