Planning for Long Term Care 101

What exactly is Long Term Care (LTC)?

Many still think that long term care is a nursing home. But that is not the case.  There are many health conditions that are not end of life.  LTC might be care at home for dementia or a stroke.

By definition the need to LTC is when a person needs extended help for performing 2 of the 6 activities of daily living. Bathing, dressing, eating, transferring, toileting, continence, or has cognitive impairment.