Long Term Care Services Flashcards
Long Term Care Services Include?
long-term care services include a broad range of health, personal care, and supportive services that meet the needs of older people and other adults whose capacity for self-care is limited because of a chronic illness; injury; physical, cognitive, or mental disability; or other health-related condition.
ADLs?
activities of daily living (ADLs); include bathing, dressing, eating, and going to the bathroom
IADLs
instrumental activities of daily living (IADLs). IADLs include housework, money management, taking medications, grocery or clothes shopping, pet care, and using the telephone.
What year and amendment established the Medicare and Medicaid programs?
A 1965 Social Security Act Amendment
What year and act provided states with the opportunity under the Medicaid program to improve their long-term care infrastructure?
The 2010 Affordable Care Act
What year and who improved the 5-star quality rating system for nursing homes?
2015, CMS
What are the types of long-term care?
Home care, Community care, and housing programs for LTC
Home Care?
It can be typically provided by family, friends, volunteers, or professionals.
Professionals called personal care assistants or home health aides (HHAs) assist with ADLs. They do not perform medical care but may take a patient’s vital signs. (Home Care)
Community Care?
Are support services include adult day care centers, meal programs such as Meals on Wheels, senior centers, and transportation. Adult daycare centers offer a break for caregivers who provide ongoing care for loved ones with chronic diseases.
What are the four general categories of LTC institutional services?
Independent living, assisted-living facilities, skilled nursing facilities, and memory care facilities, which are often part of a skilled nursing facility.
Independent living?
Covers a broad range of settings for individuals who typically do not need regular healthcare services. The target market is 75 years or younger.
Assisted living facilities?
Provide 24-hour supervision and assistance with IADLs. Recreational activities are provided. Depending on state regulations, there may be some medical care assistance.
Skilled nursing facilities?
Provide care to residents who cannot live independently. These facilities typically have age restrictions, increased security, and offer a range of social activities. There are 15,500 Medicare- and Medicaid-certified nursing facilities nationwide.
Memory care facilities?
Focus on patients with dementia, Alzheimer’s disease, and other cognitive issues. They have more supervision and staff for these patients with alarmed security and tracking devices to protect the patients.
What does Medicare cover?
Short-term skilled care but not long-term care costs
The Older Americans Act (1965)
Has federal programs that provide home- and community-based services to older adults programs are provided by state and local agencies and include in-home personal care, meals in the community, and homebound, local transportation, respite care such as adult day care, and services for older Native Americans. These programs are targeted to low-income, frail or disabled, minority older adults and older adults living in rural areas.
Annuity
Series of payments over a specified period of time. Entering a contract with an insurance company for an annuity may help pay for long-term care services.
Immediate LTC annuity
Consists of a specified monthly income in return for a single premium payment.
Deferred LTC annuities
Consist of a specified monthly income for a specified time period. These annuities are available to individuals up to age 85.
Life insurance policies?
Are purchased to financially protect a beneficiary in the event of the death of the insured. They typically provide a lump sum to the beneficiary.
▪Some life insurance policies with an accelerated death benefit provide cash advances while the policyholder is still alive.
▪Amount taken from the life insurance policy is subtracted from the amount due to the beneficiaries.
Accelerated death LI benefits?
If the policyholder lives permanently in a nursing home, is terminally ill, needs long-term care for an extended period of time, or has a life-threatening diagnosis such as AIDS.
Life settlement?
Selling an insurance policy back to the insurance company for its current value is an option to raise cash. Available to people 70 and older. Proceeds are taxable and usable for LTC.
Continuing care retirement communities (CCRCs)?
combine independent living, assisted living, and nursing care on one campus. This “aging in place” model offers the opportunity to reside in a single-family home, and as residents age, they can transfer to an assisted-living facility, and eventually to a skilled nursing facility. Seniors must move into a CCRC when they are healthy and can live independently.
Four different categories of “life care” contracts within a CCRC?
Extensive contracts, modified contracts, fee for service contract, rental agreement contract
Extensive Contract?
Include housing, residential services, amenities, and unlimited access to health care at budgeted monthly rates.
Modified contract?
Includes housing, residential services, and amenities but only limited healthcare access.
Fee for service contract
Includes housing, residential services, and amenities but no healthcare services.
Rental agreement contract?
On a monthly or annual basis does not give the resident access to healthcare services.
Green House Project?
In 2001, the Robert Wood Johnson Foundation funded a pilot project developed by Dr. Bill Thomas. This unique type of nursing home focuses on creating a residence that not only provides services but is also a home to the residents, not an institution where they receive care. The Green House home is managed by a team of workers who share the care of the residents, including the cooking and housekeeping. The daily staff members are certified nursing assistants (CNAs). All mandated professional personnel, such as physicians, nurses, social workers, and dieticians, form visiting clinical support teams that assess the residents and supervise their care.
Beacon Hill Village?
A nonprofit that formed a network to provide services to older homeowners that allow them to remain in their homes longer and maintain their independence. The network typically acts as a liaison to connect homeowners to needed workers. This membership organization’s annual dues are approximately $600.
LTC insurance was developed?
To cover services such as assistance with activities of daily living as well as care in an organizational setting.
