Long-Term Care Options for Seniors

May 19, 2020

The effects of aging can make it more difficult for seniors to care for themselves, and most older adults will eventually need some form of long-term care. Each person’s needs are different. Some seniors may only require occasional assistance or help with certain tasks, while others may need constant care. Understanding the options available can help seniors choose the long-term care solution that is right for them.

Depending on health, there may be different timeframes for when seniors would receive long-term care. If they need a caregiver because of physical or mental decline, they will likely need on-going care. Similarly, people with chronic pain conditions, dementia, or disabilities may benefit from a permanent long-term care arrangement. However, there are situations that might require temporary care, like when recovering from an injury, illness, or rehabilitation after surgery.

In-Home Care

For many seniors, it is possible for them to continue living at home while getting the assistance they need. The American Association of Long-Term Care Insurance estimates that 51 percent of all long-term care services take place in the home.

In-home care services can range from helping with errands and housekeeping to more involved care, like helping with personal hygiene. If a family member is unable to, a caregiver is hired through an agency and is paid hourly, depending on how much they are needed. Those with more extensive needs may be able to hire a full-time caregiver.

If a person has a condition that requires medical care in addition to other tasks, they can hire a home health agency (HHA). Skilled caregivers can take vitals, administer medications, help with rehabilitation, such as physical or speech therapy, care for wounds, and help manage pain. This is a helpful solution for those who are not sick enough to be in a hospital but will require some monitoring and care. HHAs are licensed by the state and can be subsidized by Medicare if ordered by a doctor.

Care Facilities

For some, it may not be practical or safe for them to stay in their own home, but they are independent enough that they do not require a nursing home. There are options in between, including continuing care retirement communities (CCRCs) and assisted living facilities.

CCRCs are campus-like communities with different styles of homes for different needs with resources, such as skilled nurses readily available. Assisted living facilities are often associated with CCRCs and provide more thorough care, including:

  • Wellness programs
  • Activities
  • Housekeeping
  • Meals
  • Other medical services

Assisted living is not covered by Medicare, but Medicaid may help if the person is eligible. A skilled lawyer educated in elder law may help with your Medicaid application and Medicaid planning.

Nursing home residents typically require full-time care due to their health or disabilities. These facilities provide all meals, assistance with daily activities, such as bathing, and more extensive skilled medical care than assisted living facilities. Medicare typically only covers short stays in these facilities for those recovering from an injury or illness; many long-term residents receive Medicaid assistance.

Brooklyn Elder Law Lawyers at Korsinsky & Klein, LLP Help Seniors Plan for Their Future

Our Brooklyn elder law lawyers at Korsinsky & Klein, LLP help seniors with long-term care planning. We will help you determine the solution that is right for you and will ensure that you receive all available government assistance. Call us at 212-495-8133 or complete our online form for an initial consultation. Located in Brooklyn, Manhattan, and Lakewood, New Jersey, we help seniors and their families throughout New York and New Jersey.