Skip to main content

Long-Term Care Insurance

Planning for Loss of Health

This article explores long-term health care options available for seniors.

As we get older, we may find that we need help taking managing all the demands life imposes on us. Or we may find that a friend or family member needs help because of a long-term health problem or disability. Everyone needs help from time to time, whether young or old. There is no shame in that fact. However, there is a lot to know about long-term care. You need to know your options, how you can pay for the care, and what your rights are when you are, particularly with regard to nursing home care. 

Long-Term Care Options

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 we will need help with basic tasks. We might need help cooking meals or cleaning our home or perhaps with yard work. Or we might need help getting dressed or taking medications. Fortunately, help is available.  

In-Home Care

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). Or maybe you need a little help with medical issues or with getting to the doctor or to a physical therapy appointment. Or maybe you need an in-home caregiver. All those in-home care options are available to you. 

Daytime Programs

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 with others and enjoy their company. 

Assisted Living

In some cases, you may find that taking care of a home is not a good option. If that is the case, you might find that living in an assisted living facility will work well. Staff at these facilities can check up on you and help you complete daily tasks (like getting dressed or taking medication).  

Nursing Home Care

In some cases, your doctor may recommend that you get the 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 advanced medical needs. 

How do I find long-term care providers?

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

Related Articles