Long Term Care

Long term care is defined as the assistance needed when we are unable to care for ourselves due to chronic illness, physical injury, cognitive (mental) impairment, or frailty. Healthcare professionals, health insurance providers, HMO's, and Medicare classify this type of care as custodial care, as opposed to acute or rehabilitative care. Anyone can need long term care at any time in their life. Automobile and sporting accidents; disabling events such as strokes, brain tumors, and spinal cord injuries; and illnesses such as multiple sclerosis and Parkinson's disease are examples of injuries that long term care can assist with.

Some services include:

  • Getting around inside and outside of the home
  • Bathing, dressing, toileting, personal hygiene, and eating
  • Assistance needed with the associated activities of daily living, such as using the telephone, preparing meals, paying bills, shopping, transportation, and housekeeping
  • Help with activities necessary to remain at home, participating in an adult day care program, residing in an assisted living center or receiving skilled care in a nursing facility.

The University has partnered with Long Term Care Consultants, Inc., to provide employees with long term care resources. Consultants are on campus and able to offer the following services for employees and their families (parents, parents-in-law, siblings, etc.):

  • Education on long term care, long term care planning, and long term care insurance
  • Sample plan designs, proposals, and illustrations based on the specific needs and circumstances of the employee
  • Employee assistance in choosing a policy/plan, completing the application, and learning what to expect during the underwriting process

Long Term Care Consultants, Inc. can also provide long term care insurance policy reviews and help explain how a policy will respond at the time a claim is filed. They are exclusively long term care specialists and are independent agents that represent all insurance carriers offering long term care insurance.

For an introduction on what long term care insurance is, why you need it, and how it can help you, visit the Long Term Care Planning Guide. To schedule an appointment, visit www.ltccinc.com, scroll down to Compare Plans in Your Area, fill in your contact information, and a representative will reply to you. Employees are welcome to bring family and/or friends with them to the meeting.