Title: 
Elder Care Services - Determining Your Level of Care

Word Count:
413

Summary:
There are many different levels of care available for the elderly. This article examines and explains various types of elder care services.


Keywords:
long term care insurance, ltc, senior care, nursing home, elder care, insurance company, broker


Article Body:
The condition of the person seeking nursing care is the key factor in your choice of a long-term care facility. All skilled/intermediate care nursing facilities provide personal care and residential services including rooms, meals, planned activities and programming to meet social and spiritual needs. The levels of nursing and therapy services offered vary quite widely, and these should be carefully matched to the individual’s needs. The resident’s physician is involved regularly in the direction of a resident’s care. The nursing staff works with and keeps the resident’s physician updated on any changes in the resident.

<B>Sheltered Care</B>

People who are functionally independent but need some assistance in daily living, require the care of a sheltered care facility (SC).

Sheltered care facilities emphasize the social needs of the individual rather than the medical needs. Dietary and housekeeping services, medication monitoring, and leisure activities are primary functions of these facilities.


<B>Assisted Living</B>

People who are mobile but may need assistance with one or two activities of daily living, may require the services of an assisted living facility.

An assisted living facility is a congregate residential setting that provides or coordinates personal services, 24-hour supervision and (scheduled and unscheduled) assistance, activities, and health-related services; is designed to minimize the need to move; is designed to accommodate individual residents' changing needs and preferences; is designed to maximize residents' dignity, autonomy, privacy, independence, choice, and safety; and is designed to encourage family and community involvement.


<B>Intermediate Care</B>

People who need 24-hour nursing care by licensed nurses as prescribed by a physician, require the care of an intermediate care facility (ICF).

Rehabilitative programs, social services and daily activities for persons not capable of full independent living, (such as persons who are convalescing or persons with chronic conditions which are not critical) are provided. Physical, occupational and other therapies are also provided. This type of facility may be certified to participate in the Medicare and/or Medicaid program. Check with each facility.


<B>Skilled Nursing Care</B>

People who need 24-hour care require the care of a skilled nursing facility (SNF).

Registered Nurses (RN), Licensed Practical Nurses (LPN), and Certified Nurse Assistants (CNA) provide care and services prescribed by physicians with heavy emphasis on medical nursing care. Social services, as well as physical, occupational and other therapies are provided. This type of facility may be certified to participate in the Medicare and/or Medicaid program. Check with each facility.


