What’s involved in Long Term services and what do they cost?

The results from various survey’s indicate around 70% of individuals over 65 will need some long term services. Most of this assistance will be received in the home where people want to be when help with day to day life activities is needed.

Consequently, this note is to share information about what’s involved in long term services and support:

+ The most common assistance would be for non medical such as preparing meals, helping around the house, etc. and provided by a Homemaker, sometimes called a Companion.

+ More substantial assistance, such as with two or more Activities of Daily Living, would be provided by a Home Health Aide.
Cost: A recent survey indicates these Aides range from $19 to $35 an hour in the Hartford area.

+ Complex medical related assistance can be provided by a LPN or in some cases an RN.
Cost: LPN’s range from $39 to $143 an hour in the Hartford area.

Home based services can be periodic or around the clock and respond to people’s desire to – age in place.

Adult Day services: Individuals go to a center for the day and receive health and therapeutic services. They benefit from interacting with others and it’s a good option so the regular care giver has time to go to work or get some rest. They are growing in popularity. Some Adult Day service providers offer transportation to take individuals to and from their home.

Note: Close to 40% of Adult Day Service providers operate with a social model; 25% provide a medical/health model; and 35% use a medical/health and social model.

Assisted living: One big value of an Assisted Living Facility (ALF) is socializing, which improves an individual’s quality of life and makes them quite popular. Individuals have a private room, receive meals in a common area, and have access to a range of services. It’s an excellent choice when a person can no longer live independently. A part of this decision is safety, which is important for family members since they know help will be there in case of a fall or sudden illness. Some assisted living facilities offer extra services for people with cognitive conditions.

Note: Services provided by ALF’s are not all the same. Some facilities offer up to 5 services in the monthly rate in what is considered a “basic” level. Those with 6 to 9 services in the monthly rate have a “standard” level. ALF’s with 10 or more services in their standard rate are considered “inclusive”. Most will add additional services as needed.
Cost: They range from $2,400 to $6,500 a month in the Hartford area.

The role of a nursing home is to provide more complex and around the clock help and services.
Cost: They range from $300 to $448 a day for a semi private room in the Hartford area. It’s $305 to $478 a day for a private room.

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