First, determine the level of care you need

In trying to determine what type of long term care or geriatric services that can benefit you or your loved one, there are multiple considerations.

• Is there a need for skilled services following an acute episode of illness?
• Has a chronic disease created a new level of disability?
• Do you anticipate a decline in your ability to care for yourself?
• Is there a need for intermittent care or around-the-clock care?
• How would you describe the level of functional impairment? What services are required?
• Do you need personal care support for bathing, grooming dressing?
• Do you need support for household chores, including cooking?
• Do you need assistance with errands?
• Do you need transportation?
• Do you need quick access to medical support in the event of a crisis?

Next, consider your financial resources

• Do you have health insurance? Medicaid? Medicare? Long-term care insurance? Are you a veteran?
• Do you understand your benefits?
• Can you afford to pay out-of-pocket for services?
• Do you have savings?

See “Paying for Long Term Care" for more information about who pays for what. Generally speaking, however, Medicare will only cover skilled service needs for a limited period of time.

Who is there for you in the community?

• Is your spouse or partner able to offer care?
• Do you have close relatives or friends who are willing to provide services?
• Are you a member of a church, mosque, or synagogue that offers supportive services to its members?

There is help in determining where to start