Being injured in an accident is a scary and painful experience. Depending on the extent of your injuries you may be unable to perform certain daily tasks and need to invest in long-term care. We understand the delicacy of your situation and your need to acquire health services and insurance. Contact Allister R. Liao, Esquire to discuss the details of your situation and acquire skilled legal counsel.
What is Long-Term Care?
Various services can be provided that are considered long-term care. These services include medical and non-medical services for someone with an injury, disability, or illness that prevents them from being able to take care of themselves on a daily basis. People may require long-term care services if they were in a serious accident and sustained an injury that has altered their lives. Care services can help with the following and more.
- Eating and drinking
- Bathing
- Changing clothes
- Transportation
- Managing pain
- Running errands
What Are My Options?
There are usually three general types of long-term care that you can choose from. You can receive care in your own home, an assisted living facility, or a nursing home. Care may last for a few months, years, or the rest of your life. Depending on your specific needs you can hire a nurse or aide to be with you at your house, rent a room or studio in an assisted living facility, rent a room in a nursing home, live temporarily in a rehabilitation center, attend adult daycare, and more.
How Much Does Long-Term Care Cost?
It is hard to determine how expensive long-term care will be without knowing the details of your situation. As discussed, long-term care can last for months, years, or an indefinite period of time. Generally, the longer you require care the more money you will have to pay.
Some national average costs for long-term medical care per year are below.
- Home Health Care (Registered Nurse): $312,000
- Home Health Care (Licensed Practical Nurse): $276,000
- Home Health Care (Aide): $60,000
- Assisted living (Bedroom): $63,000
- Assisted living (Studio): $60,000
- Nursing home (Private room): $116,000
- Nursing home (Semi-private room): $101,000
The home health care averages are based on 8 hours of work for 5 days a week for 52 weeks, assisted living averages are based on monthly rates for 12 months, and nursing home averages are based on daily rates for 365 days.
Because of the extensive costs associated with long-term care, it is important to explore all of your care and payment options to determine the best solution for you and your family. You or your relative may qualify for Medicare or Medicaid, government health insurances that provide coverage for various United States citizens. However, not everyone will qualify. Even if you do, Medicare and Medicaid will likely not cover the entirety of your medical and other costs.
It can be beneficial to acquire long-term care insurance to help you afford the care you need. There are different policies to choose from. The cost of your insurance will vary depending on which policy you select, your age, health status, and more. Contact an attorney today to begin discussing your care and insurance options.
