Long-Term Care for Elderly Individuals and Methods of Financing

Abstract

As people age, there is an increase in chronic illness and disability and thus a growing need for long-term care. Unfortunately, the concept of long-term care can be very complex and confusing. Elderly individuals and their family members frequently have many questions, such as the following: What is long-term care, and who needs it? What long-term care services are available? Who will provide the services? Where will the services be provided? How much will the services cost, and who will pay for the expenses? Indeed, the cost of providing long-term care, whether in an institution or in one's own home, may represent an enormous burden for individuals and their families. Nurses, especially community health nurses, are in a prime position to address these questions and concerns to ensure appropriate care and services for their clients. This article addresses the questions clients frequently ask by defining long-term care and discussing long-term care services, settings, and providers. In addition, 4 methods of financing long-term care will be presented.