Consumer Guide to Long-Term Insurance in Oregon

Long-term care is help for people who are ill or
have disabilities and have problems taking care of
themselves, usually when they are elderly. Most
people need some kind of long-term care during
their lifetime.
In the past, long-term care traditionally was
provided by family members. Increasingly, other
care providers are replacing family caregivers.
A variety of medical, personal, and social services
fall under long-term care, including in-home bath
aides, adult day care, and residential care. The
specific services people need depend on their
lifestyles, network of family and friends, health, and
the safety of their homes. For example, homes with
stairs and other barriers can lead to accidental falls
and injuries, which sometimes lead to a need for
long-term care.