Long Term Care

"Over the years the need for long term care planning has not changed. People are living longer and the cost of care continues to rise." - Barbara Franklin.

Long Term Care


As people live longer healthier lives, there is a good chance that you or a loved one may need some form of long-term care. The cost of care can be very expensive and even overwhelming. When it comes to paying for long-term care, there are numerous financing options. Although there are several forms of government legislation that have impact long-term care, none cover the full cost unless you’re completely impoverished. Long-term care insurance in all of its various forms continues to be one of the best solutions for protecting yourself.

About 70 percent of people over age 65 will require some type of long-term care services during their lifetime. More than 40 percent will need care in a nursing home.

Things that increase your risk or make it more likely that you’ll need long-term care include:

  • Age: The older you get, the more likely it is that you’ll need help.
  • Living alone: If you live alone, you’re more likely to need paid care than if you’re married or single and living with a partner.
  • Gender: Women are more likely to need long-term care than men, primarily because women tend to live longer.
  • Lifestyle: Poor diet and exercise habits increase the chance that you’ll need long-term care.
  • Personal history: Health and family history can increase the chances you’ll need long-term care.

You need long-term care when you are not able to complete personal care or other daily activities on your own. This is most often the result of a chronic illness or disability. In some cases, the illness or disability may include memory loss, confusion, or disorientation, sometimes called cognitive impairment. This can be the result of conditions such as Alzheimer’s disease.

* National Clearinghouse for Long Term Care Information, U.S. Department of Health and Human Services: Planning for LTC

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Cost of Care

The cost of Long Term Care can be very expensive. Click on the map below to find out what the cost of care is in your area.

National Averages (median) for 2017*

Nursing Home Care

  • $267/day for a private room
  • $235/day for a semi-private room

Home Care Services

  • $135/day for a Home Health Aide (“hands-on” care with bathing, dressing etc…)
  • $131/dayfor Homemaker services (“hands-off” care such as cooking and cleaning)

Assisted Living Facility

  • $3,750/month for a one bedroom unit
  • $70/day for Adult Day Care
*according to the Genworth.com Cost of Care