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50+: Live Better, Longer

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Choosing Long-Term Care

There are three important questions to ask yourself when deciding about long-term care for yourself or a loved one:

1. What kind of services do I need?

2. How will I pay for these services?

3. How can I choose the best quality services?

What Kind of Services Do I Need?

Think of long-term care as a menu of services. A person may need only one or a few kinds of services. Or, several kinds may be needed over the course of a person's older years.

To help find out what kind of services you or a loved one need, check the items below that apply. Keep in mind that these needs may change over time.

Do you or your loved one need help with daily activities? Health care needs? Both? You can use the following chart to help you identify the type(s) of long-term care that meet your needs. This chart shows which types of long-term care services offer which kinds of help. The "Relative Costs" information shows how costly the settings can be when compared with each other.

Help With Daily Activities

(_) Shopping
(_) Preparing meals
(_) Eating
(_) Laundry and other housework
(_) Home maintenance
(_) Paying bills and other money matters
(_) Bathing
(_) Dressing
(_) Grooming
(_) Going to the bathroom
(_) Remembering to take medicines
(_) Walking
(_) Other _______________________
(_) Other _______________________

Health Care Needs*

(_) Physical therapy
(_) Speech therapy
(_) Occupational therapy
(_) Rehabilitation
(_) Medical nutritional therapy
(_) Oxygen
(_) Care for pressure ulcers or other wounds
(_) Alzheimer's disease care
(_) Health monitoring (for diabetes, for example)
(_) Pain management
(_) Nursing care services
(_) Other medical services provided by a doctor or other clinician
(_) Other _______________________

Relative Costs Comparison

Home Care

Community Services

Supportive Housing Programs

Assisted Living


Nursing Homes

Help with daily activities







Help with health care needs




Relative Costs

Low to High

Low to Medium

Low to Medium

Medium to High



* Continuing Care Retirement Communities

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