Long-term care is the personal care and other related services provided on an extended basis to people who need help with activities of daily living such as bathing, dressing, eating, toileting, transferring or continence. In addition, long-term care may be required if you have a severe cognitive impairment such as Alzheimer’s disease, Parkinson’s, stroke, dementia, or any situation that causes a person to need chronic care.

Long-term care is not medical care received in a doctor’s office or hospital. Long-term care includes a broad range of supportive medical, personal and social services which can be provided in a nursing home, in your own home, in an adult day care facility, or in an assisted living/residential care facility. There are three levels of care: skilled (or acute) care; intermediate care; and custodial (or personal) care.

The need for long-term care can happen at any time. Most people think of long-term care as something needed by older people; however, sickness or accident can strike at any age. Statistics show that 40% of people receiving long-term care services are working-age adults, between the ages of 18 and 64.¹

Unfortunately, the ongoing demands of long-term care carry over into the workplace, ultimately threatening your bottom line.