Care - Start here
- 5 min read

Care - Start here

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In this overview, learn about your many long-term care options and what to consider when choosing.

Intro

Senior communities often get a bad rap, and are viewed by some as places to avoid. Just think of The Golden Girls, where the running joke is about sending Sophia back to Shady Pines.

In reality, however, many seniors enjoy these communities. They can offer a cozy, home-like setting with plenty of social activities and support.

Care decisions are a big part of long-term care. Our LTC approach will help you Learn about options, Talk with family, and Create a plan.

We’ve got lots of posts in our Care topic. If you'd like a guided tour, just hit the 'next post' button at the bottom of this (and every) post.

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At Long Term What? we sell long-term care insurance from multiple companies. All of our content is free of ads and partnerships, unbiased, and provided at no cost. Learn more about us.

Post jargon

ADLs (activities of daily living): basic tasks like bathing, dressing, eating, transferring, toileting, and continence
CCRC: continuing care retirement community; housing with many LTC services
LTC: long-term care
senior community: housing providing long-term care for older adults, often with shared activities

➡️ Explore all the LTC jargon

Options

Most senior communities provide private (or semi-private) apartments or homes, with shared dining areas and organized activities. The key difference between them is their level of care.

In upcoming posts, we’ll dive into the details of these options. You’ll get a breakdown of the pros and cons, costs, and tips for choosing the best fit for yourself or your loved ones.

Home care
Like Dorothy, everyone loves their home. Home care provides long-term care support from paid or unpaid caregivers.
Adult daycare
Like KitKat, adult daycare allows caregivers and recipients to take a break.
Assisted living
Assisted living facilities provide independence with support for daily activities and medical care.
Nursing home
Nursing homes are more expensive than college. Learn about costs and how to find one.
Memory care
Memory care for dementia and Alzheimer’s patients is the wild card in long-term care planning because care may be needed for 10-20 years.
Continuing care retirement community (CCRC)
Like the Avengers, continuing care retirement communities (CCRCs) combine the diverse powers of independent living, assisted living, nursing care, memory care, and hospice under one roof.
Hospice
Hospice provides comfort, like a warm pair of slippers. Learn how to find a good option and what to expect.
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Many senior communities offer multiple options under one roof (e.g., both assisted living and memory care).

If you're a visual learner, watch this 3-minute video briefly describing long-term care options.


The journey

Long-term care is a personal experience, and everyone’s path takes its own course. 79% of seniors say they want long-term care in their homes — and that’s often where the journey begins.

But things change over time, and many eventually move to senior communities as their care needs increase.

You might want to stay home forever, but don’t overlook other care options. The goal is to find what works best for you as things change.


The costs

Paid long-term care is expensive, and government help is minimal. We’ll break down the costs and help you explore options to plan ahead. 👍🏼

Most care lasts around 3 years, but with Alzheimer’s, it can stretch to 8-10 years or even longer. Knowing this helps you plan for the unexpected.


Other care considerations

As you explore care options, keep an eye on these key considerations:

  • Family caregivers – Home care by family can come with hidden emotional and financial costs, but with the right plan, you can help make long-term care easier for everyone.
  • Care vs. profit – While some senior communities don’t meet expectations, many offer excellent care. We’ll help you find the places that prioritize residents.


Wrap up

Most people will need long-term care at some point, and understanding your options now puts you in the driver’s seat when the time comes.

Whether you're planning for home care or a CCRC, knowing the costs and options available can make all the difference. And don’t forget, while family home care can seem like an easy choice, it can also come with hidden challenges.

Check out our next post below, or explore all of our care posts.