Nearly one in every seven of U.S. seniors aged 65 or older will likely require some form of long-term care later in life. In fact, almost a fifth of them will need long-term care services for upwards of five years.
Most long-term care involves assisting with basic personal needs rather than providing medical care. You may be able to receive long-term care services in your own own home, in a nursing home, or in an assisted living facility. The most suitable option for you will depend in part on your unique needs. Keep in mind that those needs could in fact vary over time as your health evolves.
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The long-term care community measures personal needs by looking at whether an individual requires help with basic activities.
ADLs, or activities of daily living, are six basic self-care tasks that most people can perform every day without assistance. ADLs are important to understand because nursing homes may use them to gauge a person’s level of functioning. This then aids a long-term care facility in determining whether the individual qualifies for public assistance such as Medicaid or has triggered their long-term care insurance coverage.
The six activities of daily living generally encompass the following personal care tasks:
Other, more complicated tasks are important to older adults living independently, but aren't always necessary on a daily basis. These instrumental activities of daily living (IADLs) include the following:
Long-term care providers use ADLs and IADLs to determine whether an individual requires assistance. These measures also help indicate how much assistance an individual needs. Long-term care insurance usually begins paying on the policy when the individual cannot perform two or more ADLs.
To qualify for Medicaid nursing home benefits, the state may do an assessment to verify whether an applicant has the ability to perform ADLs. Other public benefits programs may similarly require that an applicant demonstrate an inability to perform ADLs before they can qualify.
To learn more about long-term care and Medicaid, be sure to connect with a qualified elder law attorney. They will be able to help you and your family members identify the services for which you are eligible.
Elder law attorneys can also help you navigate application processes for certain public assistance programs. With their expertise, you will be able to get a better understanding of your options. For example, you may want to age in place with the assistance of home care versus having to move to a facility. In addition, they can counsel you on the best approaches for financing long-term care services for yourself or a loved one.
Planning for long-term care before you actually need it is vital. Don't push off these kinds of decisions until the last moment; rushing them could end up having a serious impact on your qualify of life. Find an elder law attorney in your area today to equip yourself with the information you need.
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