There are a number of reasons why people find themselves in need of help with the most basic life functions, such as eating, bathing, dressing, using the bathroom and a number of other things. These functions are referred to as Activities of Daily Living, also known as ADLs. Not being able to perform these ADLs is where having long-term care insurance can be beneficial. In addition to these physical challenges, long-term care may also assist those who are mentally impaired.
Unlike what the name suggests, long-term care may not last very long at all. Many people who need assistance with ADLs only need it for a few months or less. In fact, this care can be provided at home, in an adult day care center, or in an assisted living facility. While most people think these services can only be provided at a nursing home, this is not the case. Those other options are often more affordable.
Obtaining assistance with ADLs, also known as "custodial care," can be provided at the same place as "skilled care." Skilled care refers to care provided by doctors, nurses, and rehabilitative services, such as assistance with taking medicine. The distinction between custodial care versus skilled care is important as many health insurance companies only pay for skilled care, not custodial care. Health insurance covers most skilled care while long-term care covers most custodial care.