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What is Long Term Care?

Tax and Financial Services

Long term care (LTC) is the assistance or supervision you may need when you are not able to do some of the basic activities of daily living (ADL) such as

  • Bathing
  • Dressing
  • Eating
  • Continence
  • Toileting
  • Moving in and out of bed


Long term care doesn't always refer to care in a nursing home.  It often means a family caregiver, friend, or paid home health care provider will offer care in your home.  Different types of facilities provide long term care, including adult day care centers, assisted living facilities, and nursing homes.


Long term care may include medical care such as skilled nursing and therapeutic services like physical therapy.  It can also include custodial care, which is assistance provided by a caregiver to help someone with basic activities of daily living (ADLs).  Custodial care can include help getting out of bed, walking to the bathroom, taking a shower, getting dressed, preparing a meal, and other day-to-day activities.


Long term care can be rewarding for a family caregiver, but it also can be time-consuming, stressful, exhausting and expensive.  Caring for a loved one can have a big impact on the entire family.


Long term care insurance is one solution.  Long Term Care Insurance has changed dramatically over the past few years and there are many more options available.  Butler Thompson Lee is an independent agency meaning we shop all of the major carriers to get you the best policy at the best price.  Find out what types of long term care are available and how much coverage you may need.  Contact us today for a free consultation!