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Long-Term Care Education

Everything You Need to Know About Long-Term Care!

Life expectancy is increasing, but as a result many people are living longer in poor health. Coupled with rising medical costs and the potential cutbacks on programs like Medicaid, it is extremely important that everyone, especially those in their 50s, begin to address the major components of long-term care (LTC).

70% of people over the 65 will need long-term care services with the average nursing home cost in Hawaii at $135,050 for a private room. This may be a worrisome fact, but with proper planning, you can prepare for those expenses or prepare a way to pass your hard-earned assets to your loved ones if you don’t.

In this article and video series we address how you can create a long-term care plan that will help meet your future financial and long-term care needs. You can also click here for more information on long-term care at The Art of Thinking SMART.

What is Long-Term Care?

LTC is a range of medical and non-medical support for people of any age, primarily for seniors. LTC provides assistance with the Active Daily Activities (ADLs) which include:

  • Bathing
  • Continence (controlling one’s bowels and bladder)
  • Dressing
  • Eating
  • Toileting
  • Transferring (moving in and out of bed)


How Likely Will One Need Long-Term Care?

70 percent of people will need long-term care services at some point after turning age 65. As a result, it is important to create a long-term care plan.

How Long Will Long-Term Care Be Needed?

The average length of LTC service is 3.7 years for women and 2.2 years for men. 20% of those who will need LTC will need it for more than 5 years.

How Much Does Long-Term Care Cost?

Long-term care costs vary depending on the type of care needed. For example, in 2013, one year of care and services at an adult day health care center, cost an average of $16,900. Long-term care costs vary depending on the type of care needed.  The cost of long term care has steadily increased every year, with Hawaii’s costs among the highest in the country! For one year, the cost of a nursing home (private room) is $135,050 and private-duty home health aide is $58,525.

Statistics are from the U.S. Department of Health and Human Services National Clearinghouse for Long Term Care information website.

Learn how you can pay for Long-Term Care Part 1!

Learn how you can pay for Long-Term Care Part 2!