Long-Term Care Insurance

Everyone is different. A lot of us may have the good fortune of living a long life. Unfortunately, the longer we live, the more likely it is that we will need help with basic tasks. We might need help cooking meals, cleaning our home, or perhaps help with yard work. We might also need help getting dressed or taking medications. Fortunately, help is available.

In-home care may be available for those who need it. You may be perfectly capable of staying in your own home, but perhaps you need some help with personal care tasks, like getting household chores done or with lawn care. Maybe you need some help with medical issues or getting to the doctor’s office or to a physical therapy appointment. Maybe you need an in-home caregiver. All those in-home care options are available to you.

One of the most common challenges that seniors face is loneliness. Fortunately, in many areas, there are daytime programs available that allow seniors to be around others and enjoy the company of their peers.

In some cases, you may find that taking care of a home is not the best option. If that is the case, you might find that living in an assisted living facility is your best option. Staff at these facilities can check on you and help you complete daily tasks, like getting dressed or taking medications.

In some cases, your doctor may recommend that you get a higher level of care that a nursing home can provide. Staff at a nursing home can help you with getting in and out of bed, eating, and attending to more advanced medical needs.

You can get the names of long-term care service providers in your area. Just call 2-1-1, and you will be connected with someone who can give you contact information about home (community-based) caregivers and residential providers in your area. They can also provide you with information about recent complaints and inspections. Or if you prefer, you can visit Long-term Care Provider Search | HHS (texas.gov).

There are also Aging and Disability Resource Centers located throughout the state. You can talk to trained professionals that can help you make the decisions you need to make to move forward. Call 855-Yes-ADRC (855-937-2372). Or you can get contact information by visiting the Health and Human Services website at Find an ADRC | Texas Health and Human Services.