Myths of Long-Term Care
Are you too young for Long-Term Care? Here are some Myths and Facts to consider:
MYTH 1: Long-Term Care Insurance and Disability Insurance are the same thing.
FACT: Disability Insurance replaces the income lost when someone becomes hurt or ill. Unlike Long-Term Care Insurance, it will not cover home care, assisted-living, or nursing home expenses.
MYTH 2: I'm too young to need Long-Term Care.
FACT: 40% of Americans receiving Long-Term Care are working age adults under the age of 64. Long-Term Care is most associated with aging but anyone may need Long-Term Care at some point. Accidents, chronic illnesses and disabilities can occur at any age, requiring many individuals to seek assistance with activities of daily living.
MYTH 3: Long-Term Care = Nursing Home.
FACT: In the U.S. more than 80% of Long-Term Care is provided in settings other than a nursing facility. In fact, up to 70% of Long-Term Care recipients still live in their own homes or with families or friends. Others receive part-time care from home healthcare agencies, adult day care centers or assisted-living facilities.
Do you want to learn more? Schedule an appointment now!
Source: California Partnership for Long-Term Care, California Department of Health Care Services, April 2013.