Ohio District 5 Area Agency on Aging

Long-Term Care Planning

Do you know the answers to these questions?

  • Will Medicare or private insurance pay for in-home care for my mother if she becomes ill or disabled?
  • What is an advance directive?
  • Do I need long-term care insurance?
  • Should I get a reverse mortgage?
  • What programs are available in my community to help me stay active and healthy?

These are important questions that should be answered as part of the long-term care planning process. Whether you`re exploring options for yourself or an aging loved one, call us at (800) 860-5799 for help answering these questions and more.

It`s a fact: 70 percent of us will need some type of long-term care in our lifetime. 

What is long-term care?

Long-term care is the help you need when you`re not able to perform daily activities by yourself such as preparing food, dressing, bathing, managing medications or handling personal paperwork.

Many people learn about long-term care the hard way: when they or a loved one need care, and quickly. Too often, that`s when they discover:

  • Long-term care can be expensive
  • Medicare doesn't cover it
  • There are many complex issues - finances, insurance, legal matters - that can`t be dealt with properly in a crisis
  • Options may be limited if you haven`t planned ahead

Contrary to popular belief, long-term care does not mean a one-way trip to the nursing home. In fact, long-term care today is more likely to be delivered in a variety of settings such as home, adult day centers, and assisted living facilities.