Long term care
is the type of care that a person receives when they can no longer care for
themselves. It includes a wide range of mostly non-medical services that are
designed to help people maintain the maximum level of independence. Care can
be custodial, intermediate or skilled in nature and can be provided in the
home, community or institutional setting. Long term care can be provided in a
formal or informal manner. Formal long term care refers to services that are
paid for while family or friends provide informal care.
The three generic types of
coverage are typically called nursing facility, home care and comprehensive,
which includes both nursing and home care coverage.
Medicare
does NOT pay for Long Term Care (Page 65). Medi-cal (MediCaid) Welfare,
might pay, however if you have $$$ or Property, they might put a
lien on your home.
