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Health problems can significantly reduce the control and independence you have in your life. However, with some advanced planning, you can minimize the financial and emotional impact of a long-term health problem.
That is why it is important to understand your options and plan accordingly.
Long-term care encompasses a wide range of choices - from care in the comfort of your home to assisted living to nursing homes.
If you are concerned with care for yourself, your spouse, or other relatives, do not delay planning for long-term care, including how you plan to pay for those services.
When Long-Term Care Is Needed
Long-term care is needed when an individual becomes unable to perform two to three Activities of Daily Living (ADL), or has lost mental capacity to reason
and make judgments that pertain to one's safety or well-being.
Activities Of Daily Living
- Bathing
- Eating
- Continence
- Toileting
- Dressing
- Transferring
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