Long term care can cover a variety of health issues. The common misconception is that long term care is only for residents of assisted living communities, nursing homes or home health agencies. The truth is that long-term care can cover the care of any illness, injury or recovery time following surgery. The types of long-term care options vary as much as the illnesses themselves. However, there are a few that are common issues within the medical industry that will result in the need for a long term care plan, option, insurance or some form of long term coverage.

Chronic Illnesses: the origin of long-term care

A chronic illness or injury is the most common medical issue that leads to long-term care needs. Alzheimer’s, Cancer, HIV and AIDS related illnesses are the common chronic illnesses that require length hospital stays and possibly a move to an assisted living community or care facility. In general, a chronic illness that was not pre-existing may be covered under insurance. This insurance coverage may determine the care plan and care community or options available to the patient as well. Chronic illness and the progression of the illness is the origin of most long-term care community programs and insurance programs.

Surgery and Recovery

Recovery following a major surgery can also fall under long-term health options. The type of injury and the related surgery could mean a six month stay or up to three years of long-term care treatment. These options are usually covered under an insurance coverage plan or by some form of financial planning for emergency situations. Though home health long-term care is the most common option for this type if long-term illness many assisted living communities are now offering options to help residents who are experiencing a post-surgery recovery from illness.

Assisted Living and Seniors

Long-term care and coverage is commonly associated with the need for assisted living communities and professional nursing communities that offer care for residents at various levels of need. A senior may need long-term care if they are entering an assisted living community simply due to the fact that the assistance they need will either remain the same level of assistance or will progress drastically over the coming years. In these cases new care plans would have to be created and those care plan will fall under the tag of long-term care. Insurance and other financial planning options are available for this type of ongoing need.

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