Good question. A client asked me that a couple of days ago. Her mother had been in poor health for years, but somehow had managed to remain fairly independent in a retirement community. Until now, when things started going south.
"She's in rehab now. And therapists say she can't go back to where she lives. They keep using the phrase, 'Long-term care.'"
Long-term care is precisely that: hands-on care and supervision for the long haul. It can mean a home care agency coming into a person's home to help with bathing, dressing, medication management and more. Long-term care can also happen in an assisted living community, a nursing home or in many states, an adult family home.
Long-term care is NOT funded by Medicare. People pay privately, perhaps with long-term care insurance. Or if they run out of money, there's Medicaid.
That's the skinny on long-term care. At least the very short version.