Most people still mistakenly associate long-term care and long-term care insurance with nursing homes.  In fact, just the opposite is true.

According to the LTCi Sourcebook, published by the American Association for Long-Term Care Insurance, some 7.6 million individuals currently receive care at home because of acute illnesses, long-term health conditions, permanent disability or terminal illness. 

The majority of people are most comfortable in their own environment where they feel safe and close to the things they love, and home care is the long-term care option that promotes the individual’s independence and ability to continue with the normal, daily routine as long as possible. The goal of home care is to provide in-home care for those who need it, and to allow an individual to remain living at home as long as possible, regardless of age or disability.

Home care services cover a wide range of needs, from homemaking and companionship to meal preparation and medication reminders. They may also include personal care services, or those that help with the activities of daily living, including home care services like bathing, dressing, and grooming. To promote a safe and functional lifestyle, a caregiver can help you brush your teeth, secure the buttons on your shirt, or stand-by while you bathe to make sure you do not fall.

Often, skilled services that utilize the expertise of a nurse may also be grouped within the home care category. Services include checking vital signs, coordinating with doctors and other healthcare professionals working with the individual, and performing comprehensive evaluations of health and community needs to keep individuals safe at home.