• Home
  • Profile
    • About Our Agency
    • Qualifications
    • Our Staff
  • Products
    • Personal Insurance
      • Auto Insurance
      • Boat & Watercraft Insurance
      • Condo Insurance
      • Flood Insurance
      • Home Owners Insurance
      • Manufactured Home Insurance
      • Mexican Insurance
      • Motorcycle Insurance
      • Motor Home (RV) Insurance
      • Renters Insurance
      • Umbrella Insurance
    • Business Insurance
      • Commercial Vehicle Insurance
      • Liability Insurance
      • Property Insurance
      • Umbrella Insurance
      • Workers Compensation
    • Life & Health Insurance
      • Life Insurance
      • Health Insurance
      • Dental Insurance
      • Disability Insurance
      • Long Term Care
      • Group Benefits
      • BCBS Quotes
      • Group Benefit Quote
  • Services
  • GET A QUOTE
  • Resources
    • Payments
    • Claims
    • Resource Guide
  • News
  • Contact
    • Contact Information
    • Map
  • Login

Contact Us (480) 983-0083


Auto, Home & Business Insurance
     
 

Long Term Care


Because of old age, mental or physical illness, some people may find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, you are said to need “long-term care.” 

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care