Hofmann: The LTC Basics #2

U.S. Dept. of Health and Human Services offers insights into Long Term Care:
 
The LTC Basics #2 
Column by SUE HOFMANN

Consumers may hear many confusing statements regarding the topic of long term care, both published in the public domain and repeated by misinformed individuals. Over the next few weeks, I will be submitting a series of columns containing accurate information provided by the U.S. Department of Health and Human Services, website http://longtermcare.gov. I encourage you to watch for and read these informative columns.

The LTC Basics #2: 

Who needs Long Term Care?

About 70 percent of people will need some form of long term care at some point in their lives. There are a number of factors that affect the possibility that you will need care:

Age

  • The older you are, the more likely you will need long term care.

Gender

  • Women outlive men by about five years on average, so they are more likely to live at home alone when they are older.

Living Arrangements          

  •  If you live alone, you’re more likely to need paid care than if you’re married, or single, and living with a partner.

Disability       

  • Having an accident or chronic illness that causes a disability is another reason for needing long term care.
  • Between ages 40 and 50, on average, eight percent of people have a disability that could require long term care services.
  • 69 percent of people age 90 or more have a disability.

Health Status

  • Chronic conditions such as diabetes and high blood pressure make you more likely to need care.
  • Your family history, such as whether your parents or grandparents had chronic conditions, may increase your likelihood.
  • Poor diet poor exercise habits increase your chances of needing long term care.

Source: U.S. Department of Health and Human Services, http://longtermcare.gov.

Sue Hofmann is an Agent and Long Term Care Professional (LTCP) at The Jemez Agency, http://www.thejemezagency.com, 2610 Trinity Dr., Los Alamos, and can be reached at sue@thejemezagency.com or 505-662-5181.

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