As people age, many face the challenge of needing help with daily activities such as bathing, dressing, and eating. Long-term services and support (LTSS) help individuals with difficulty completing these tasks independently. LTSS is designed to help people live independently and safely while receiving care. This guide will explain long-term services and supports, how they work, and what options are available for people who need them.
- What Are Long-Term Services and Supports?
- Who Needs Long-Term Services and Supports?
- Who Provides Long-Term Services and Supports?
- How Do Long-Term Services and Supports Work?
- Developing a Care Plan
- Monitoring and Adjusting Care
- Types of Long-Term Services and Supports
- In-Home Services
- Facility-Based Services
- Options for Paying for Long-Term Services and Supports
- Private Pay
- Long-Term Care Insurance
- Next Steps
- Frequently Asked Questions
- Request A Quote
What Are Long-Term Services and Supports?
Long-term services and supports are designed to help people with difficulty performing daily tasks due to physical or cognitive limitations. These services may include assistance with bathing, dressing, grooming, feeding, medication management, and transportation to medical appointments. They can be provided in various settings, including in the home, in the community, or in a facility such as a nursing home or assisted living facility.
Who Needs Long-Term Services and Supports?
Long-term services and support are often needed by individuals who are elderly or who have disabilities that make it difficult to perform daily activities independently. Some people may require these services temporarily, while others may need them continuously.
Who Provides Long-Term Services and Supports?
Various professionals, including certified nursing assistants, home health aides, and personal care assistants, can provide long-term services and support. These professionals are trained to provide care that respects the dignity and independence of the individual receiving services.
How Do Long-Term Services and Supports Work?
Long-term services and supports work by assisting individuals with difficulty performing daily tasks independently. These services help people maintain their independence and dignity while receiving care. Depending on the needs of the individual, long-term services and support may be provided in the home, in the community, or a facility such as a nursing home or assisted living facility.
Developing a Care Plan
When a person requires long-term services and support, a care plan is developed to meet their needs. The care plan outlines the types of services that will be provided, the frequency of those services, and who will provide them. The care plan is developed with the individual receiving services, family members, and healthcare professionals.
Monitoring and Adjusting Care
Long-term services and support are often provided on an ongoing basis, which means that the care plan must be monitored and adjusted to ensure that the individual’s needs are met. Regular assessments are conducted to determine if any changes need to be made to the care plan, such as increasing or decreasing the frequency of services.
Types of Long-Term Services and Supports
Long-term services and support can take many forms, depending on the needs of the individual receiving services. However, some common types of long-term services and support include:
In-home services are designed to help individuals remain in their own homes while receiving care. These services may include assistance with bathing, dressing, grooming, feeding, medication management, and transportation to medical appointments.
Facility-based services are provided in a setting such as a nursing home or assisted living facility. These services may include 24-hour nursing care, assistance with daily activities, and medication management.
Options for Paying for Long-Term Services and Supports
Long-term services and support can be costly, and it’s essential to understand the options for paying for these services. Some standard options include:
Individuals can choose to pay for long-term services and supports out of pocket. This option may be feasible for those with significant savings or assets that they can use to cover the cost of care.
Medicaid is a joint federal and state program that provides healthcare coverage to low-income individuals. In some states, Medicaid covers long-term services and support for eligible individuals. Eligibility criteria vary by state, but generally, individuals must have a low income and limited assets to qualify for Medicaid.
Medicare is a federal health insurance program that covers individuals 65 or older and some younger individuals with disabilities. While Medicare does not cover long-term services and supports, it may cover some necessary services for individuals who need long-term care, such as skilled nursing care or physical therapy.
Long-Term Care Insurance
Long-term care insurance is a type of insurance that covers the cost of long-term services and support. This insurance can help individuals pay for care without depleting their savings or assets. However, long-term care insurance can be expensive, and eligibility requirements vary by the insurance provider.
Everyone has the right to receive support and assistance when life becomes too challenging. Long-term services and supports are one route for doing just that, ensuring that all individuals can maintain their independence and dignity when facing physical or cognitive limitations. We hope this information about long-term services helps provide a better understanding of available options and how to access them. If you need assistance with long-term services or would like to discuss your care needs, you can request a free quote from our experienced team anytime. Now more than ever, it’s essential to have the knowledge needed, so you have control over your care decisions in life.
Request A Quote
Get help or a quote from a licensed financial professional. This service is free of charge.
Frequently Asked Questions
What are some common types of LTSS?
Common types of LTSS include home health care, personal care, adult day care, nursing home care, and hospice care.
What are long-term services and supports (LTSS), and who do they serve?
LTSS refers to services and supports provided to individuals who require assistance with daily activities due to aging, disability, or chronic illness. They serve a diverse population of individuals of all ages, including older adults, people with disabilities, and those with chronic health conditions.