FICTION: Younger people can require long term care due to severe unexpected accidents, diseases, illnesses or injuries. The need for long term care can happen at any time during a person’s life. A person will officially need long term care when a licensed healthcare provider certifies they need help doing at least two of the ADLs (Activities for Daily Living) for a period expected to last at least 90 days. ADLs include six specific items: bathing, incontinence, dressing, eating, toileting and transferring. Needing help with just two of the ADLs for at least 90 days triggers the need for long-term care. If your family isn’t providing the care, you will end up paying for it – either out of pocket or through your long-term care insurance.
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