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Long Term Care For People You Love

Updated on November 7, 2013

Everything You Need To Know About Long Term Care.

More than 9 million people over the age of 65 will need long-term-care this year. Here you'll learn all you need to know to plan for your family's LTC needs -- everything from needs assessment, options, implementation and everything in-between.

This lens is dedicated to my father who, in 1993 was diagnosed with cancer at the young age of 67 (this picture was taken before he started having symptoms). My family was totally unprepared. The next 8 months was a living hell. I've put together this lens so no family has to go though the fear, anguish, and guilt my family went through.

Not just the fear of losing a loved one, but the fear of not knowing where the money would come from to take care of him; the anguish of not having the time to make the decisions required -- were they the right ones; were they the ones he would have wanted; and the guilt of not having planned in advance.

I realized that our time together on this earth is short, so besides giving you information on Long-Term Care, I'll share some things to make the time we have fun and less painful -- things to help us live longer and happier lives such as Maxine in all her glory. I love that woman! LOL

Please keep checking back as I add new information all the time.

For the latest news on Long Term Care and other senior health issues visit Long Term Care For The Elderly

Have Fun Before It's Too Late

Humor Found Here

My Dad had a great sense of humor and loved a good joke. As he got older, he found humor in everything life threw at him. So, I've added senior jokes throughout the lens. Find the Joke Sections by looking for this guy:

 

 

An In-Depth Look The Author Of Senior Long Term Care Choices

"Getting help for your loved one entails gathering and assessing information about the kind and extent of care he or she needs, then finding someone, or some place, to provide that care."

Janet O'Connor has training and experienced both as a nursing assistant/home caregiver and a writer. With a bachelor's degree in liberal arts, she began writing professionally in the field of marketing and advertising, in which she worked for ten years. After a 3-year hiatus in which she was a Peace Corps volunteer in Pakistan and Botswana, she began her second career as a home caregiver.

She completed training for her certification in nursing assistance as well as home health aide. She also completed training in home hospice work. Her 4 months of CNA clinical training was done in a nursing home, and she worked in another nursing home for one and one-half years. She served one year as a live-in caregiver, and has worked as a home caregiver to people with various disabilities and diagnoses since 1997.

Ms. O'Connor has written about a wide variety of health-related subjects, including Acne, Health Insurance, ADHD (Attention Deficit/Hyperactive Disorder), Migraine, Back Pain, Acid Reflux and Long Term Care.

Ms. O'Connor decided to write her long-term care book after helping seniors and others with disabilities struggle with the decisions, finances, and processes involved in finding long-term care alternatives that matched their individual needs. The book is her attempt at making it easier for others to plan these important life decisions.

For more information on the book, visit Long Term Care For The Elderly

Senior Long Term Care Choices: How To Select The Best Plan For Your Whole Family

MY CHOICE AS: The Most Comprehensive Book On The Market

In my opinion, I think Janet O'Connor's new book, Senior Long Term Care Choices: How To Select The Best Plan For Your Whole Family, is the most comprehensive book on the market. It provides all the information and guidance you will need to get your loved one set up in his or her "personal best" long-term care situation.

Besides up-to-the-minute and meaningful information, you'll find a comprehensive list of resources you can access immediately. What's more, these contacts let you zoom in on your local area programs, facilities and resources. Under some circumstances, solving your loved one's care problem can be a monumental task. With the tools and information in this e-book you'll be able to manage it well and completely. For more information about the author, check out the next section. For more information on this must-have book, visit Senior Long Term Care Choices

Making The Nursing Home Decision

A Tough Decision That Sometimes Has To Be Made

Taking care of an aging person in the home is not easy. Most elders require specialized care, sometimes 24 hours every day. The attention and care differs by individual. Some may need help taking their medications, going to the bathroom, bathing, and other daily activities.

This task and responsibility can be overwhelming and necessitate placing a loved one in a nursing home. That decision can be extremely difficult.

There is nothing to be ashamed of in putting your loved one in a nursing home. Sometimes it is necessary in order for him to get the care he needs. However, you need to be informed on what a nursing home is before making that decision.

Help For Daily Tasks

A nursing home is essentially a place for people who need assistance accomplishing daily tasks -- help with meals, with caring for their bodies, or entertaining themselves. Nursing homes assists individuals with their personal needs. At their best, a nursing home staff knows what your loved ones want and is ready to give them the attention and care they need.

Selecting a Nursing Home

Making sure the home is right for your loved one

A nursing home has facilities that people need to appreciate the beauty of life while they are preparing to go to the world beyond. Nursing homes come in different sizes. The number of beds in a particular nursing home can range from approximately 25 to 500; the average number of beds per facility across America is about 102.

Finding a Nursing Home

Nursing homes are sometimes located within a hospital or medical center as separate skilled nursing units. More often, nursing homes are distinct facilities separate from hospitals. Private individuals, for-profit companies, or not-for-profit entities may own nursing homes.

The need for a nursing home is often defined by an individual's need for 24-hour assistance. This assistance does not necessarily mean an individual needs a nurse to watch over them while they sleep, but rather that they might need help getting to the lavatory in the middle of the night, or a reminder to take medication in the morning.

Make Sure You've Made a Good Choice

A nursing home can be the right choice if your loved one is in need of consistent, reliable medical attention and is unable to care for himself.

It is vital that you select a nursing home with a superior reputation, and one that you can be supremely confident for your loved one's care.

JOKE: Seniors Exercising

One Of My Favorite Jokes Because I've Been There

I feel like my body has gotten totally out of shape, so I got my doctor's permission to join a fitness club and start exercising. I decided to take an aerobics class for seniors.

I bent, twisted, gyrated, jumped up and down, and perspired for an hour. But, by the time I got my leotards on, the class was over.

Note from Frankie: Been there, done that!

Plan For Your Future Today - Then Rest Easy

Denial can cause unintentional damage

"We cherish independence, and are therefore often blind to indications that help is needed. Though unconscious and unintentional, this kind of denial is persistent, and can cost us or our loved ones irreparable damage before help is finally sought."

- Janet O'Connor

Some Terms You Should Know

Long Term Care Terms

Durable Power of Attorney for Finances A Document that appoints someone to make financial decisions on your behalf. If it is already in effect when you become unable to manage your affairs, it continues, or it spring into effect at that time.

Durable Power of Attorney for Health Care This is also known as a health care proxy. It is a legal document which names an agent to make health car decisions on behalf of someone who can no longer make decisions for himself.

Guardianship A legal process where the court appoints a person to manage the property and affairs of someone unable to act on her own behalf.

Living will This document, also called a health-care directive, describes the kinds of care a person does and does not want if she is nearing the end of life. Usually this pertains to measures taken to sustaining life.

Activities of Daily Living (ADL) These include such things as dressing, bathing, eating, grooming, use of the toilet.

Adult Day Care These are facilities that provide daytime care for older adults. They offer help for safety, socialization and recreation.

Assisted living residence Housing for people who can need some help living alone but do not require skilled nursing care.

Home health care Services provided in the home by home health aides.

Hospice care A type of care offered by hospitals, long term care facilities, and some hospice organizations for terminally ill patients and their families. They emphasize pain management and control of symptoms rather than attempting a cure.

Respite care Care given in place of a caregiver temporarily to give the caregiver a rest and personal time.

Medications - How To Stay On Track

A serious concern for older adults and for the caregivers that assist them is adherence to medication regimens. Here are some tips to help seniors stay on track:

At The Doctor's Office:

1. Get the doctor to give you specific instructions on the medication, dosage, and how to take it IN WRITING.

2. Ask about side-affects that can be expected. What side-affect would warrant stopping the medication and calling or seeing the Doctor?

At The Pharmacy:

1. Have the pharmacist check for interactions with other medications already being taken.

At Home:

1. Keep a list of medicines and the exact directions for taking them. Do they take them with or without food? A.M. or P.M? How many?

2. Use a medicine holder to organize your meds. There are many sizes and styles available. Pick one that works best for the person.

3. Keep a checklist of the medications that can be checked off as the meds are taken.

4. If you get a 30 day supply, when you are down to 1 weeks worth of medication, call in to reorder the prescription. If you get a 90 day supply, call in your order when you are down to 20 days.

FREE Medications -- How To Get

Find Out If You Can Get Free Medications Here

Drug companies frequently give doctors free samples of their medicines. So ask for freebies for before your doctor writes a prescription for your loved one. If they can't give you enough for the long term, they can at least give you enough to sample the medication to see if it even works!

DISCOUNTED Medications -- How To Get

How To Get A Lower Price On Your Meds

Doctor Recommendations:

Ask your doctor if a generic drug will work just as well since they usually cost a lot less.

Shop Around:

Call different pharmacies as their prices for particular drugs will vary. You may end up getting drugs from 2 or 3 different pharmacies depending on the drug, but it could be worth it!

Pharmacy Discounts:

Many pharmacies will give discounts for cash payments to people who are uninsured or underinsured.

Online Ordering:

Many insurance programs allow you to order your meds online. Usually you have to order a 90 days supply, but the savings is worth it.

DISCOUNTED Medicines -- Where To Get

Discover Who Offers Discounts For Repeated Medications Here

If you or a loved one get repeats on medicines check out the following groups for discounts of up to 30%:

American Association of Retired Persons (AARP)

601 E. St NW

Washington, DC 20049

800-424-3410

Merck-Medco Managed Care, LLC 800-247-1003

American Association of Retired Persons (AARP)

Medi-Mail

800-331-922-3444

800-922-3444

Preferred Prescription Plan

800-881-6325

Holidays: Checking Your Loved Ones

How Are Your Aging Parents doing?

Assess Your Parents This Holiday Season

This holiday season, when you're spending time with your parents,be sure to be sensitive to their needs. Have their abilities changed since this time last year? Get beyond their and your own denial of their aging, and take a good look.

Here are some things to look for to see if your parent's need more help.

* Was there a noticeable decline in physical abilities?

* Did they seem less stable on their feet or did they recently fall?

* Was there a noticeable a decline in short-term memory?

* Did you find stacks of unopened mail or cancellation notices caused by unpaid bills?

* Did your parent seem unkept? How about their home?or their home seem unusually unkempt?

* Did the refrigerator have good, nutritious foods or enough food?

* Has your parent lost weight?

* If they have a pet, does he seem well taken care of?

Each of these can be a sign that something is wrong. If it nags you or something doesn't seem right, it probably isn't. Sooner or later your parents will need your help and you need to keep an eye out for when those changes begin.

Check out the FREE Assessment Form in the next module. Take it with you to help you evaluate them (and to keep a record of the results). It could save your parents much grief and maybe even their life.

FREE Care Needs Accessment Form And Scoring Sheet

What Kind Of Care Does Your Loved One Need Right Now?

What kind of care does your loved one need right now?

Janet O'Connor Senior Long-Term Care has a great assessment form that she has given me permission to give out. It's a simple check list where you can evaluate the care needs of yourself or a loved one.

Then there's a scoring sheet that tells you, based on your score, what type of care Janet recommends at this time. Janet recommends redoing the evaluation every 3 months so you can see the progression of care needs and plan for the future better.

For a FREE copy of the assessment and scoring system (pdf file), click FREE Assessement Form

Alzheimer's Care

Non-Professional Care

Alzheimer's is a progressive disease which is life threatening to the people it affects and unfortunately, this terrible disease can destroy the lives of many more people that those it directly affects. Witnessing the slow deterioration of a loved one while also doing your best to take care of them can be too much for many. Therefore, in many ways close friends, relatives and colleagues can also become victim of this insidious syndrome. Realistically, only a relative or partner who provides Alzheimer's care, really knows how difficult that can be.

During the preliminary stages of this disease most people are able to provide a satisfactory level of care without any serious problems. However, things will gradually become significantly worse until providing a satisfactory level of care becomes impossible for most people. Nevertheless, until then there are lots of steps a caregiver can take to make things easier for the person with Alzheimer's and for themselves.

Reducing frustrations and stress can be really important and people with this disease are usually frustrated enough, primarily because of their inability to do all the things they used to without a great deal of effort. Also, people suffering from Alzheimer's will often change their opinions, for example, they may dislike the foods they used to like, or they may want to wear the same outfit every day. These situations can prove difficult for those trying to provide care.

If you are considering providing that care yourself, you should be prepared for many difficult situations. As time goes by, the disease will get stronger and the patient will get weaker and weaker.

The risk of self-injury also increases as the disease progresses. So, another important point to consider is whether the environment surrounding the person is a safe one. To provide Alzheimer's care, a person needs to be really confident that they can manage. Most often, the best possible option is to situate the sufferer where professionals can take good care of them and provide all the essential care that person needs.

Maxine cartoon book on Amazon - A must read!

Maxine: Yelling It Like It Is: A Fine Whine with the Queen of Attitude
Maxine: Yelling It Like It Is: A Fine Whine with the Queen of Attitude

One of Maxine's best and at the top of her voice. If you love Maxine like I do, you'll love this wonderful collection of her jokes.

 

The Essential Herb-Drug-Vitamin Interaction Guide - The Safe Way to Use Medications and Supplements Together

Over The Counter Drugs-- WARNING

WARNING:

Never take more than 1 medicine

with the same active ingredient

unless instructed to do so by your doctor.

Medication Safety Tips

Things You Should Do

Medication Safety

Medication is supposed to help you, but problems can happen if you:

1. take too much.

2. mix incompatible medications together.

3. take the medication incorrectly (i.e. too often, too much, not enough).

Things you should tell the doctor about your medications.

Your doctor should have in your file the following information:

1. Tell them all of the medications you are taking.

2. Tell them about all of the vitamins, herbal and dietary supplements.

3. Tell them about any allergies you have to particular drugs.

4. Remind them of any other medical condition you have.

Patient Prescription Assistance Programs

What Are They And How They Can Help You

Patient Prescription Assistance Programs or Patient Assistance Programs (PAP's) are programs offered by major pharmaceutical companies which disburse prescription drugs in the United States. In essence, these programs offer free brand name drugs to people who do not have adequate healthcare coverage. Each PAP has its own set of policies and guidelines for the free prescription drugs, i.e. Merck and Pfizer each have separate distinct plans. Because each pharmaceutical company has different procedures for acceptance, it is extremely difficult for the average American citizen to complete the required paperwork with a high degree of accuracy. Because of the 'paperwork hassle,' many American citizens fail to qualify for the medication. That is where Rx Aid, Inc. becomes involved.

Rx Aid has a very knowledgeable staff that understands each pharmaceutical company's guidelines and knows how to work with the patient, the doctor, and the pharmacy.

Check them out at RxAid.us

Clinical Drug Trials No Longer Trade Secret

Where To Find Information On Drug Trials

Clinical drug trials are no longer considered "trade secrets". Congress has just ruled that drug companies must post the results of clinical trials on a public database within 1 year of completion. The database is: ClinicalTrials.

Drug companies can still take up to 3 years to post summaries for the general public. However, since the results will be on the database, the public can see them. AND, independent experts can review and evaluate the trial results to keep doctors and the public better informed.

Meals on Wheels for Senior's Pets

How can a senior get food for their pet?

One of the biggest worries for seniors is having enough money to feed their beloved animals - be it dog or cat. Meals on Wheels Association of America (MOWAA) has created a new program to help them called, We All Love Our Pets (WALOP).

The program united Meals On Wheels programs across the U.S. to make food for pets part of the delivery of the meals for seniors.

Foir more information click WALOP/Meals on Wheels

Have A Family Conversation About Long Term Care

The earlier to talk with your parents and evaluate their situation the better. When you do it early, you can plan for any situation that might arise.

Be sure to involve your parents in this conversation. Doing it before something major happens, makes it easier for your parents to talk about long term care and they will make better decisions since there is less emotion involved at that time. When a life-altering event occurs, the stress level is higher and denial can set in.

Below is a free assessment form that I urge you get immediately. You and several members of the family can fill out the 1-page form now so you can have a base-level to compare your parent(s) to as they begin to need care.

Having your parent fill out the assessment form now is good too. Then when something happens that changes their situation, they can take it again and you can compare their answers to the new one.

FREE Senior Care Documents Guide

7 documents all senior should have

You can get a FREE Senior Care Documents Guide, which explains and organizes the seven most important senior care documents.

Most families are missing at least one of the most critical senior care documents. The Senior Care Documents Guide helps simplify the care of aging loved ones by explaining why and how each senior care document is used.

The free Senior Care Documents Guide includes instructions and usable sample documents for:

* Durable Power of Attorney

* Advance Directives

* Declaration of Guardian

* Medical Power of Attorney

* Out of Hospital Do Not Resuscitate

* Appointment of Agent

* Physician's Statement of Incapacity

The free guide also includes a helpful glossary of senior care terms and a checklist to help families keep their documents in order. It can be downloaded at Senior Care Documents.

Laughing keeps you young

Laugh and stay young!

You don't stop laughing because you grow old,

You grow old because you stop laughing!

Fun Stuff -- Jokes About Seniors And Aging

Senior Jokes To Lighten The Mood

Even though the issues of Long Term Care Planning is serious, there no reason we can't have a little fun too. Here are some jokes I found about Seniors and aging. Many of you will be able to relate -- I know I do!

I've put jokes throughout the lens as well. Enjoy, Frankie

1. Just before the funeral services, the undertaker came up to the very elderly

widow and asked, "How old was your husband?" "98," she replied. "Two

years older than me." "So you're 96," the undertaker commented. She

responded, "Hardly worth going home, is it?

2. Reporters interviewing a 104-year-old woman: "And what do you think is the best thing about being 104?" the reporter asked. She simply replied, "No peer pressure."

3. The nice thing about being senile is you can hide your own Easter eggs.

FREE Medical Care -- Where To Get

You May Be Able To Get FREE Medical Care

Every year, over 150,000 patients receive medical care from some of the BEST doctors in the world for FREE. Why? Because medical researchers get millions of dollars to use in the study of diseases and ailments and if your condition is one of the ones being studied, you may qualify for free treatment. To learn more, contact the Clinical Center at the address below:

Clinical Center

National Institutes of Health

Building 10, Room 1C255

10 Center Dr

MSC 1170

Bethesda, MD 20892-1170

301-496-4891

Hot Tips On How To Beat The Heat

7 Tips to Beat the Heat

Heat can be dangerous. The elderly and disable people are at high risk during hot weather. Very high temperatures can damage the brain and other vital organs.

The ability to regulate temperature is limited by some conditions including old age, obesity, fever, dehydration, heart disease poor circulartion, sunburn and drug and alcohol use.

Here are 7 tips to help you help your loved ones beat the heat:

1. Dress for the heat. Make sure to wear light weight and light colored clothes.

2. Drink plenty of water. Drink water throughout the day -- even if you are not thirsty. By the time you are thirsty, it's too late, you are already dehydrated.

3. Eat small meals often. And, avoid high protein foods, which increase metabolic heat.

4. Stay indoors whenever possible.

5. Avoid strenuous activity. Slow down, don't be in a hurry.

6. Check on neighbors. If you have elderly or disabled neighbors, check on them. Better yet, form a buddy system to monitor those at high risk.

7. Learn First Aid and CPR.

For more information on heat safety, contact your local Red Cross or visit their website: Red Cross

Assisted Living Facilites Vs. Nursing Homes

Which Facility Will Serve Your Needs Best?

An alternative to a nursing home is an Assisted Living Facility (ALF). An ALF's purpose is to bridge the gap between independent living and nursing homes. They are for people needing assistance with Activities of Daily Living (ADLs), but who wish to live as independently as possible for as long as possible.

Level of Freedom

Assisted living facilities offer help with ADLs such as eating, bathing, dressing, laundry, housekeeping, and medication assistance. Some also have centers for medical care; however, the care offered may not be as intensive or available to residents as the care offered at a nursing home.

When deciding between ALF and a Nursing Home consider the following factors:

Cost: ALF can be costly because individuals live in apartment-like settings whereas in Nursing homes the elderly live in a more communal space with little private space.

Medicare is frequently available for nursing home stays but may not be for an ALF.

Facilities: ALF are focused on individuals. Nursing homes are focused on the collective group.

Place: ALF is a location for a few particular aged at a time but a nursing home houses a lot of patients. ALF house an individual who is provided with all the help and assistance he or she needs, while the nursing home provides far less individual care.

Nursing homes are designed to care for people who have a number of health care requirements, and cannot care for themselves. ALFs are designed to assist elderly persons who can basically care for a lot of their personal needs themselves.

Skilled nursing care is not usually available except on an as-needed basis. A nursing home is more like a hospital environment and provides full-scale, skilled nursing care. If your loved one is now and then confused or experiencing memory problems, assisted living can be the answer. If they have a debilitating disease or condition, they might need a nursing home.

Consider Your Loved One's Welfare

Although there are many factors to consider, your main concern should be the well being of your loved one.

Who To Turn To If You Suspect Nursing Home Abuse

NursingHomeAdvocates.com Launched

Protecting Loved Ones from Nursing Home Abuse

Solomon & Relihan, well recognized for their experience and knowledge in nursing home litigation, PC has recently launched NursingHomeAdvocates.com. Nursing Home Advocates is designed and geared to assist both family members of nursing home residents who have been neglected and those who suspect abuse of a loved one in a nursing home facility.

In the United States alone, nursing home malpractice has become a significant problem with growing numbers. Investigations done by the US Government have shown that approximately 30% of nursing home facilities in the US have neglected or abused their patients, resulting in significant harm. Studies also show that nursing home malpractice has resulted in over 4,000 deaths due to malnutrition, dehydration, and bedsores.

For more information, visit Nursing Home Advocates

Have Your Loved One Create A Memory For You And Others - Memories last a lifetime

Your loved ones have lived a life that should be remembered. Here's how.

The Book of Myself A Do-It-Yourself Autobiography In 201 Questions
The Book of Myself A Do-It-Yourself Autobiography In 201 Questions

This book has 201 questions to help a person create an autobiography. It was created by a Grand-father and Grand-son and is an excellent way to get your loved-one to leave behind their life and insights for the younger generation.

 

Geneology Gifts -- Put Your Family History Together - Great Senior Gift Ideas

DISCOUNTED Medical Care -- How To Get

How To Pay Less For Your Medical Care

Doctor Discounts:

Ask your doctor before treatment begins if s/he will give you a discount if you pay cash or a credit card at the time of the visit. Statistics have shown that as many as 60% of doctors will give you a discount.

Hospital Discounts:

Many hospitals offer discounts for payments received at time of visit and another for payment received within 10 days of visit. These discounts would apply to Emergency Room visits too. So, check with your hospital before your next visit.

A Teddy Bear Hug Gift

Beary Lonely Without You Bearington Dressed Teddy Bear Stuffed Animal by Bearington Collection
Beary Lonely Without You Bearington Dressed Teddy Bear Stuffed Animal by Bearington Collection

This is the perfect gift for the person in a rest home or care facility. Let them know how much you miss them by sending them this teddy bear that they can enjoy and remember you every time they look at it or hug it.

 

You Should Read This Book Before It's Too Late!

Most Comprehensive Long Term Care Book On The Market

Senior Long Term Care Choices: How To Select The Best Plan For Your Whole Family, by Janet O'Connor. It provides all the information and guidance you will need to get your loved one set up in his or her "personal best" long-term care situation.

With the tools and information in this e-book you'll be able to manage it well and completely. For more information on this must-have book, visit Long Term Care For The Elderly

JOKE: When The Mind Starts To Go

JOKE: When The Mind Starts To Go

My memory's not as sharp as it used to be. Also, my memory's not as sharp as it used to be.

Note from Frankie: Don't know if you noticed, but I did make the module title and subtitle the exact same on purpose. It seemed approprite given the joke!

Don't Put Off Those Hard Decisions

"Sometimes putting a loved one into a nursing home is the only way to keep him or her safe."

by Janet O'Connor

Yoga For People Over 50

Why Yoga? Because Yoga improves balance, decreases stiffness, increases energy and flexibility. Your posture and breathing will improve also. All of these changes mean you can lead a more independent lifestyle.

The New Yoga for People Over 50: A Comprehensive Guide for Midlife & Older Beginners
The New Yoga for People Over 50: A Comprehensive Guide for Midlife & Older Beginners

This book shows how to adapt traditional postures to suit any age or fitness level with step-by-step instructions aimed at the older beginner. It also focuses some on one of the key ways to modify postures for older, stiffer bodies -- the use of props that provide support to let the yoga student get into strenuous postures and hold them longer without pain or fatigue.

 

Water Exercise

A Great Exercise For Seniors

Exercising in the water is great for seniors, overweight people, and people with disabilities. In fact it's good for everyone.

When in water up to your waist, the body bears only 50% of it's weight. In neck deep water, the load is only 10%.

Swimming is great, but if you can't swim, just walking in water is great. Try it at waist level to begin with and increase your laps gradually. Later, walk in water that is chest high for the most benefit.

Many communities have pools or join a spa.

The 4 Stages Of LIfe

THE FOUR STAGES OF LIFE:

1) You believe in Santa Claus.

2) You don't believe in Santa Claus.

3) You are Santa Claus.

4) You look like Santa Claus.

Long Term Care Insurance - Why And Where To Get It

Insurance You Should Check Out

Long term care (LTC) is needed when you can no longer perform activities of daily living by yourself, such as eating, bathing or getting dressed. It is also the kind of care you would need if you had something as severe as Alzheimer's disease. As mentioned previously, care can be received in a variety of settings: your own home, assisted living facilities, nursing homes, adult day care centers or hospice facilities.

"More than 80% of all people receiving long term care assistance are not in nursing homes."

Long term care can be covered completely or in part by long term care insurance. Many plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled.

What LTC is NOT

(1) LTC is NOT the type of care that you receive in the hospital or your doctor's office.

(2) LTC is NOT the medical care you need to get well from a sickness or an injury.

(3) LTC is NOT short-term rehabilitation from an accident.

(4) LTC is NOT recuperation from surgery.

LTC Insurance Information

Now is the time to gather information about LTC and develop a plan to fit your needs. Find out about your options and make a decision that best suits your goals and budget. LTC Insurance has become a necessity not a luxury.

Growing Old Is NOT For Sissies.

-Bette Davis

JOKE: It's All In One's Perspective

I've sure gotten old! I've had two bypass surgeries, a hip replacement, new knees. Fought prostate cancer and diabetes. I'm half blind, can't hear anything quieter than a jet engine, take 40 different medications that make me dizzy, winded, and subject to blackouts. Have bouts with dementia. Have poor circulation; hardly feel my hands and feet anymore. Can't remember if I'm 85 or 92. Have lost all my friends. But, thank God, I still have my driver's license.

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Long Term Care For People You Love

Copyright

This work is covered by copyright and can not be reprinted

in any matter (physical or digital) without prior written consent.

Copyright 2008-2013 Frankie Kangas All rights reserved.

Let me know what you found useful and what you would like to have more of. I aim to please. Like I said in my introduction, I don't want anyone else to go through what my family did in '93.

Lens Guestbook and Feedback Request - Let Me Know If You Found This Lens Helpful Or Not

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    • profile image

      CarpeVITAHomeCare 3 years ago

      Great info! Thanks for putting this together.

    • profile image

      anonymous 5 years ago

      Thanks for this excellent lens. I've been searching for a good home care services company in Vancouver and your lens has helped me think through some of my needs.

    • sousababy profile image

      sousababy 5 years ago

      Oh, came back to google +1 this gem.

    • sousababy profile image

      sousababy 5 years ago

      Wow, this is extremely comprehensive - what an excellent resource. I am adding this straight away to 'Living Articles on Squidoo.' This will help many, many people. Thank you for all the hard work you did on researching the best LTC solutions for our loved ones. Most respectfully,

      Rose

    • ForestBear LM profile image

      ForestBear LM 5 years ago

      Can't believe I didn't come across this wonderful resource before, this is such an important issue that most people forget to plan for. Thank you so much

    • waldenthreenet profile image

      waldenthreenet 5 years ago

      Appreciating your topic. Valuable ! I just did a few lenses on health care topics. Your topic is a subset of health care reform 2012. Your topic very important. Hope it is addressed carefully. Thanks.

    • profile image

      kapilv 5 years ago

      Yes, effort you made through this lens is certainly should get appreciation and this was a well written blog for me on senior care that i enjoyed while reading. I Think most people are still not aware of long term care and the financial matter related to long term care that's why liked the lens. people who are either going to have care at their own home or going to care homes should be aware of what long term care means.

    • Lady Lorelei profile image

      Lorelei Cohen 5 years ago from Canada

      Great information for seniors and caregivers on aging and long term care options. You always provide an indepth look at your topics.

    • profile image

      iCare4uk 5 years ago

      Really good information, nice to see someone pushing the issues.

    • profile image

      anonymous 5 years ago

      This is what I was really looking for. Thanks very much. Keep up this good work.

      _________________

      Residential Care Needs

    • Virginia Allain profile image

      Virginia Allain 6 years ago from Central Florida

      Some good information here for people in this situation. My brother went into a nursing home at 59 due to a stroke. It's been a tough adjustment for him as he was used to a very active life.

    • Franksterk profile image
      Author

      Frankie Kangas 6 years ago from California

      @thinkingaloud lm: I'm glad to see they are realizing how much benefit pets can be. It would definitely make the transition easier to have a loved pet come too. All those purrs and slobbery kisses are invaluable. Thanks for sharing.

    • profile image

      anonymous 6 years ago

      Happy to see this lens..You are trying to remind the importance of elder people in our family

    • thinkingaloud lm profile image

      thinkingaloud lm 6 years ago

      Most care homes won't allow residents to bring their pets with them when they go into care. Why? The benefits outweigh the disadvantages and make the transition from independent living to care home so much smoother as a new series of films show. See blog post at http://www.justfilm.co.uk/wp/2011/08/12/new-films-...

    • Lady Lorelei profile image

      Lorelei Cohen 6 years ago from Canada

      Have a great weekend

    • profile image

      MedicalBootcamp 6 years ago

      Janet, this is the most comprehensive lens I've seen thus far. I know I'll be coming back here often. I write about all types of medical topics on my lens, but I won't be writing about LTC because you have COVERED it! I'd have nothing left to add :-) This lens has given me something to aspire to. Best always...Dr. Katz

    • profile image

      BetterHealthCoverageOptions 6 years ago

      Wow, great lens. I want my parents to check it out!!!1

      Tim

      Better Health Coverage Options

    • profile image

      guy54788 6 years ago

      Thank you for your information about people age over 65 insurance.

    • profile image

      anonymous 6 years ago

      This is a helpful lense when it comes to this particular topics and I love the jokes, serves as a commercial in this pretty long lense. As of the moment, I am deciding if I should bring my mother to a foster home, and this book is really interesting to read and the author is someone you can rely on to give factual and reliable information because of her experiences and background. I will be getting a copy of this book. Thanks for sharing this information.

      Visitors Medical Insurance

    • profile image

      Christina_Moore 6 years ago

      Thanks for the post. Life insurance is definitely a necessity, but it is essential to compare life insurance quotes to make sure you are getting the best one for you.

    • scalablesocial profile image

      scalablesocial 6 years ago

      Nice lens. I particularly enjoyed the jokes here and there.

    • profile image

      anonymous 6 years ago

      Thanks

    • Franksterk profile image
      Author

      Frankie Kangas 6 years ago from California

      @clouda9 lm: I"m sorry for the loss of your uncle. I'm glad you found a way through Caring Bridge to keep in touch with family during this sad time. Thank you for telling me about them. I will definitely add them to this lens in the hopes it will help others. Bear hugs, Frankie

    • profile image

      anonymous 6 years ago

      Patients with the need of long term care donât have to spend too much money if they have health coverage. Consumers should really think to take advantage of this.

      health insurance Virginia

    • clouda9 lm profile image

      clouda9 lm 6 years ago

      Just last week my uncle was hospitalized due to a heart attack, to keep the family in the loop about how he was doing his son started a page on http://www.caringbridge.org. We are able to read daily journals and leave our notes in his guest book. Sadly my uncle has passed away, and my cousin continues to use Caring Bridge to keep us all informed about how the family is doing, as well as information about his memorial. I thought you might like to feature this wonderful service for families facing the same issues.

    • Mrmakingusmile LM profile image

      Mrmakingusmile LM 6 years ago

      Good info. Thanks for making me smile.

    • profile image

      anonymous 6 years ago

      Longterm healthcare is very important for the elderly residents. And since these plans are specially designed for people who are at a greater risk of falling sick, it is important that these policies are purchased with great care.

      health insurance California

    • profile image

      anonymous 6 years ago

      This is a very interesting lens. It provides useful information on long term healthcare but the presentation of it makes it an interesting read. Healthcare coverage for the old and the senior citizens is an important and delicate issue and one needs to be extremely sure of the plan before buying one

      Health Insurance Florida

    • profile image

      anonymous 6 years ago

      This is a very interesting lens. It provides useful information on long term healthcare but the presentation of it makes it an interesting read. Healthcare coverage for the old and the senior citizens is an important and delicate issue and one needs to be extremely sure of the plan before buying one

      < a href=http://www.ihealthinsuranceflorida.com>Health Insurance Florida

    • profile image

      Fit_Over_40_Buzz 6 years ago

      This is a great lens. Thanks for making it. Very informative. I gave you a thumbs up

    • LoKackl profile image

      LoKackl 6 years ago

      Wow this is a long-term resource on Long Term Care! And thanks for visiting Chainsaw! Blessed.

    • VarietyWriter2 profile image

      VarietyWriter2 6 years ago

      Blessed by a SquidAngel :)

    • Franksterk profile image
      Author

      Frankie Kangas 7 years ago from California

      @lasertek lm: Thank you for your comment. I have also noticed when you make it routine, the drugery and worry go out of it. Good luck and good health to you and your family.

    • lasertek lm profile image

      lasertek lm 7 years ago

      I like this lens very much. It is extremely important for people to be prepared. I have not experienced what you and your family went through but for more than 10 years now my family and I have been caring for our father who has a heart condition. It was very difficult during the 1st year, given the constant visits to the hospital but we have managed or better yet, we have gotten used to it. Now, we are no longer troubled with what to do or how to take care of him because we are very much prepared.

    • profile image

      Obscure_Treasures 7 years ago

      These all sound so good,I really like your lens. It gives me a lot idea

    • profile image

      Prosquote 7 years ago

      Thanks for sharing such nice lens keep sharing.

      home insurance

    • profile image

      cnatraining555 7 years ago

      Great collection of information. Thanks for this!

    • purplelady profile image

      purplelady 7 years ago

      Oops! When I went to give 5 stars, I discovered that I had already done so. I visited your lens way back in 2007 and left a comment. If you want a classic example of "senior moments"......I resemble that remark. This time I will put you where I can't lose you.

    • purplelady profile image

      purplelady 7 years ago

      Wow. I don't know how I have missed seeing this lens. As I have several babyboomer and retiree lenses I am always looking for other aging related lenses to feature. This is a definite winner and I would like to feature it on my latest lens on Older Americans Month. You have gathered a wealth of information on a subject that many older people don't even want to think about. Loved the interspersal of the jokes, a reminder that we need a healthy dose of laughter always.

      5 LTCs, a featured lens and much socializing. (I will also include the link you gave and add this to a couple of my lenses. Thanks.)

    • profile image

      tssfacts 7 years ago

      From a retire RN perspective this is great lens 5* I am lenrolling to my senior lens-wrinkles and aging process. Great job.

    • profile image

      elmikeo 7 years ago

      This is a great lens. You have a lot of good information. Lets talk insurance some time, check out my lens.

    • journey103 profile image

      journey103 7 years ago from USA

      Great Info...5 Stars and I'm now a fan!

    • profile image

      Askyourquestion 8 years ago

      This is a wonderful lens! You've put together a great collection of information and resources here! Please feel free to visit my lenss when you have the chance.

    • religions7 profile image

      religions7 8 years ago

      Great lens - you've been blessed by a squidoo angel :)

    • CCGAL profile image

      CCGAL 8 years ago

      Useful yet fun lens about a much needed topic - 5*.

    • profile image

      Janet1 8 years ago

      Thanks for sharing information about my book, Senior Long Term Care Choices: How To Select The Best Plan For Your Whole Family. It was a work of love dedicated to all of the clients I've had.

    • lollyj lm profile image

      Laurel Johnson 8 years ago from Washington KS

      Excellent, excellent lens. I've been on both sides of this topic -- a long term care nurse and a family member with a loved one in a nursing home. This is a complex topic and you did a wonderful job of presenting the information. 5, fave, lensroll to my related lenses.

    • jmsp206 profile image

      Julia M S Pearce 8 years ago from Melbourne, Australia

      This is a great lens full of positive imformation and I love the jokes. We as a family decided on a nursing home for my mother soom after my father passed and it was a very difficult time as we didn't know the correct procedue and there is no hand book that covers this situation.There is a lot of guilt involved although you know that you have made the right decision.

    • KimGiancaterino profile image

      KimGiancaterino 8 years ago

      I'm a notary and many of my clients are dealing with these issues and the accompanying paperwork (Power of Attorney, Health Care Directive, etc.) Being proactive and prepared makes a world of difference. Excellent lens... re-blessed.

    • profile image

      raymumme 8 years ago

      Hello Frankster

      You have done a great job on this lens, lots of info. I like the content. I just love how easy it is to get good web appearance and not have to spend a bunch of money with squidoo. I look forward to keeping up with what you are posting. Check out my first lens and tell me what you think, I hope you find it interesting. It would go well with seniors they are a big segment of our market.

      click here

    • EpicFarms profile image

      EpicFarms 8 years ago

      An awesome lens; one of those topics we tend not to think about until it hits us right between the eyes. 5* for some excellent information :o)

      Http://www.Squidoo.com/PinkThink

    • Ramkitten2000 profile image

      Deb Kingsbury 8 years ago from Flagstaff, Arizona

      Wow, what an incredibly extensive, helpful lens! I'm currently my widowed mother's caregiver. Thankfully, she's still able to live alone, but our home and hers are close by. I do her driving, errands, and many things around and inside her home, and even more so now that she just got her hip replaced. She's more than once said to me,"Promise me I'll always be able to stay in my own home." I've promised, but in the not-so-back of my mind, I wonder if it will be possible. But I guess we'll cross that bridge when or if we come to it.

    • Adrienne Jenkins profile image

      Adrienne Jenkins 8 years ago

      Thanks for putting together this lens -- all the issues our family is grappling with right now.

    • profile image

      SamJohn 8 years ago

      Hey... your lens is really interesting and thanks for sharing this info :)

      Really nice....

      Pls spare few minutes at my lenses here

      http://www.squidoo.com/Immigrant-health-insurance

    • profile image

      Good_MEdison 8 years ago

      Excellent! I totally love this lens. Added to my favorites and 5 stars!

    • profile image

      Gail47 8 years ago

      What a wonderful lens and tribute to your father. I like that you incorporate humor into a very serious topic. As a caregiver, I use humor a lot, but most people don't understand. There is so much here, I'll be back to check out more. I couldn't lense roll to my elder care lens because it is just now going live, but gave 5 *'s. I ran across your lens as I was searching for other related sites.

    • ElizabethJeanAl profile image

      ElizabethJeanAl 8 years ago

      Merry Christmas from the Totally Awesome Lenses Group.

      Lizzy

    • profile image

      GrowWear 8 years ago

      Excellent resource. Thank you for creating this lens!

    • Arananthi LM profile image

      Arananthi LM 8 years ago

      Maxine is the best! W00T!

    • Caravansarai profile image

      Caravansarai 8 years ago

      I love the 10 Ways to Stay Young section! So much of what's on that list is 100% true. Thank you so much for sharing this fantastic lens with us. 5 stars and gazillion kudos to you!

    • ElizabethJeanAl profile image

      ElizabethJeanAl 8 years ago

      Welcome to the Totally Awesome Lenses Group.

      Lizzy

    • clouda9 lm profile image

      clouda9 lm 8 years ago

      You are the link queen when it comes to the issue of facing long-term care for a loved one. Thank you for sharing, I learned something new today!

    • profile image

      anonymous 8 years ago

      Hi,

      Great lens ! The Lens is very informative and it can help people as it has made the search easy.

      Feel free to visit my http://assistedlivingexplorer.com/ blog

    • profile image

      TerriLorah 8 years ago

      This is a great lens! Do you mind if I put a link from my lens about elderly care? I think it would be a great help to people who are thinking about nursing homes for their parents.

    • profile image

      ShawnYue 8 years ago

      Your lens is cool, may i know how long you did that?

      5 stars for you, frankster.

      All about bum marketing method is my first lens. You can drop me your answer at my guestbook. Thanks man.

    • profile image

      anonymous 8 years ago

      Great Lens - My name is Michael and I just started a Lens this week at www.squidoo.com/homedeliverymedical

      This lens was created to help sales and increase traffic to our web site; www.HomeDeliveryMedical.com. We are a leading supplies for Home Health Care supplies and equipment. We would love to have a link on your lens.

      thanks again,

      Michael

    • profile image

      genewisereviews 8 years ago

      Thanks for the valuable information on long term care. My grandmother found an incredible place where she has a great deal of autonomy. She has her own apartment and gets more exercise and more social interaction than ever. She did not want to go at first, but wouldn't change a thing now.

    • profile image

      miragana 8 years ago

      Good day! I like your lens. It is very informative and has a very good quality in it.

      www.Squidoo.com/MPI

      mliragana.blogspot.com

      Thank you very much for your time.

    • profile image

      BradChamp 8 years ago

      Nice lens with lots of useful information. If you are willing to lose weight then visit my lens Fat loss 4 Idiots

    • profile image

      Vitelli 8 years ago

      Wow! This is the nicest lens I have seen yet. I am very impressed and think this is a tremendous source of information. If you get a chance check out florida reverse mortgages . It's a great source as well.

    • profile image

      jessicashalyn 9 years ago

      Long Term Care and other senior health issues are very relevant in this lens and has just hit the target! Because of your lens, I have added some more information in my head for a healthy lifestyle and Life Extension! Thanks a lot! Hope to see more of your lenses! Great work! I will keep checkin back!

    • profile image

      dkdaniel 9 years ago

      Your "10 Ways to Stay Young" are the best I've read anywhere. Keep up the excellent work! Love and Blessings, Daniel

    • teamlane profile image

      teamlane 9 years ago

      Another great lens Frankster!

      Blessed by a Squid Angel today! :)

      Colleen ~ www.squidoo.com/squid-angel

    • profile image

      TheWicker 9 years ago

      Interesting lens and nice layout! Thanks for sharing this info. Urban, lensmaster of Anxiety Disorder Treatment

    • profile image

      PamR 9 years ago

      This is an amazing lens. My mother has early onset Alzheimers and we are having many of these discussions as a family...long term care, guardian-ship, powers-of-attorney and etc.

      Nice job including the jokes too.

    • profile image

      curerestlesslegsyndrome 9 years ago

      Thanks Jeff. My grandmother is getting up there in age and this is definitely something to consider. Just gave you 5 stars. Check out my cure restless leg syndrome lens and let me know what you think!

    • profile image

      anonymous 9 years ago

      Like they always say, laughter is the best medecine. Very nice lens! 5 star for you...

    • profile image

      ltcconnects 9 years ago

      Great page and love the quotes. Very meaningful.

    • profile image

      youhavegottobekidding 9 years ago

      Very nice Lens. i really love those people who give importance to our old timers.

    • profile image

      Angel-Sky 9 years ago

      Cool! This is a wonderful lens! Thanks for bringing it to us! Please check out my site about low cost car insurance, how to obtain cheap classic car insurance and car insurance for females 5 stars for your wonderful lens!! I really appreciate your effort.

    • profile image

      chris51 9 years ago

      You have a great lens I have worked in the health care industry for 30 years and for the last 10 have been taking care of my mom and know first hand the trials and tribulations you go through daily. Until 4 years ago we had no medical coverage and the pay was a joke or should I say an Insult. We now have Medical coverage but the dental and vision coverage is a big joke(insult)

      My mom requires 24/7 care but I get paid for just 4 hour's of care a day. I have not had a day off in 3 years, I would loose my hours if I took time off so I stay home. That's why I started my lens's on Depression and Stress, I had to have something to keep my mind active. People ask me why I don't put my mom in a Nursing home and my reply is to ask them if they have ever been in a nursing home and seen what it's like, if they haven't I tell them to go visit one and they will have my answer.

      I think your lens is very helpful and does a lot of good. 5 stars

      Chris Colby

      http://squidoo.com/defeatingdepression

    • profile image

      Dr_Joe 9 years ago

      Very informative.

      Great lens. Rated it 5 stars.

      Feel free to visit sexual health.

    • profile image

      loseweightfat 9 years ago

      Care giving for people we love is a taxing experience. It requires patience, strength and above all love. In the best of circumstances, the person who gives care should also be able to rely on a network of friends for support but we all know how difficult and insufficient this can be.

      Thank you for your insight.

    • profile image

      johnmarah 9 years ago

      I checked bloglongtermcare.com looks good.

      Thanks for sharing..

      John Marah

      Hemroids

    • profile image

      WorldVisionary 9 years ago

      Really nice lens - thanks! Another interesting medical lens, Lichen Sclerosus.

    • profile image

      sstoark 9 years ago

      Amazing lens, Thanks to squidoo for providing such a platform to share such stuff.

    • profile image

      romyraut 9 years ago

      Good lens, a 5 star to you

    • profile image

      daviddorf 9 years ago

      Yoga has proved quite useful to people.

      I think it's a very good think to adopt.

    • profile image

      marywhitewhite 9 years ago

      "Get fit while you sit" the book looks good.

      Will procure it for myself. I wish my library had it.

    • profile image

      Hhank 9 years ago

      Those 4 stages of life was really funny , hehehe I loved it Santa Clause hehehe shared it with my all my friends.

    • profile image

      alicesy 9 years ago

      Excellent Lens. I like the quality insight you have provided here about Long Term Care For People You Love. Keep up the good work.

      Please check out my Police Jobs Blog.

    • profile image

      anonymous 9 years ago

      Excellent lens. Great info and layout. 5 stars for you.

      Warmest Regards,

      MonsterTruck

      Lens master of Wartrol Review and Genital Warts.

    • profile image

      anonymous 9 years ago

      Hi,

      I love your lens. Given you 5 stars.

      Check out my 1st lens "Weight Loss and Back Pain".

      Thank you.

    • profile image

      intheflow 9 years ago

      Loved your lens! It's so true that we are heading for a huge need in this area. Now if we as baby boomers can just get more proactive about our health and stave off having to depend on others to take care of our health.

    • profile image

      ricarde 9 years ago

      Great lens jam packed with lots of useful information! Great job! 5 stars! I added your lens to my favorites!

    • profile image

      beachbum_gabby 9 years ago

      outstanding lens. These healthy tips and exercise resources are great of my parents who are getting older.

    • profile image

      Caringmom 9 years ago

      Excellent lens, I worked with the elderly for years until I became disabled. Please check out my lens on The Night Helper Potty Watch, a product I have developed for incontinent adults and to help with bedwetting issues.

    • profile image

      sudever 9 years ago

      Welcome to the 'Global Group - Everything from Anywhere' Group

      ( http://www.squidoo.com/groups/global )

      5 stars for your great lens!

    • healthadvisor1 profile image

      healthadvisor1 9 years ago

      I always visit this lense since it is really packed with useful information and I wonder how this lens achieved great rankings.. Can you share some secret?

      --4d scans

    • profile image

      erict979 9 years ago

      This is very good information. I have seen 3 close relatives go through this kind of thing when they were past the stage of being able to care for themselves. From my point of view, one big consideration is the person left in charge. They need to have some fun in their lives, and some time off from the responsibilities also.

      Eric