Who May Need Long-Term Care?

The need for long-term care may begin gradually as you find that you need more and more help with activities of daily living, such as bathing and dressing. Or you may suddenly need long-term care after a major illness, such as a stroke of a heart attack.

If you do need care, you may need nursing home or home health care for only a short time. Or, you may need these services for many months, years, or the rest of your life.

It is heard to know if and when you will need long-term care, but there are some studies that may help.

For Example:

  1. One national study projecting nursing home use noted: “Of the approximately 2.2 million persons who turned 65 in 1990, more than 9000,000 (43%) are expected to enter a nursing home at least once before they die.” The same study reported that among people who live to age 65, only 1 in 3 will spend three months or more in a nursing home. About 1 in 4 will spend one year or more in a nursing home. Only about 1 in 11 will spend five years or more in a nursing home. In other words, 2 out of 3 people who turned 65 in 1990 will either never go to a nursing home or will spend less than three months in one.

  2. Women are more likely to need nursing home care than men. The study discussed about projected that 13% of women will spend five or more years in a nursing home. Only 4% of men will be in a nursing home that long.

  3. As you grow older, your risk of needing nursing home care also goes up.

©1999 National Association of Insurance Commissioners

 

 

Call Carmen Taddeo at 724-378-3321
Your Long-Term Care Health Insurance Specialist
Serving the Greater Pittsburgh Area

 

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