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Long Term Care Living

Long Term Care for Seniors: The Options.

A loved one’s need for extra help often becomes apparent after an event (such as a fall, heart attack or stroke) which makes you wonder if they should still be living alone.

Nursing homes are an alternative but certainly not the only one.

Costs of Long Term Healthcare


Average Monthly Cost


PA ($)

DE ($)






Adult Day Services




Home Care




Independent Retirement Community




Assisted Living




Nursing Home




Source: The 2009 MetLife Market Survey of Nursing Homes, Assisted Living, Adult Day Services and Home Care Costs.

1. Adult Day Care, 20 days/month.

2. Based on a an average of 5 hours/day, 5 days/week.

3. Estimated monthly fees; excludes property purchase and the cost of add-on services such as ADLs (source eldernet.com).

4. Rates vary substantially and exclude assistance with ADLs. Most facilities also require the purchase of accommodation.





Long Term Care Insurance Examples




Age at Purchase




Daily benefit $




Benefit period (years)




Elimination period (days)




Index-linked to inflation %




Annual premium




Independent Living Communities

grandmaAlso designed for independent active seniors, these homes or apartments are meant to off-load the burden of many homeowner responsibilities such as maintenance. They’ll generally provide security, community exercise and social centers, and a variety of other services, either gratis or a la carte. They don’t generally offer 24-hour care support, but they might offer the opportunity to purchase it separately or from an outside source.

Senior Housing

senior1Often call 'active adult' communities, these apartments or condos cater to people 55+ who can live independently.

They generally do not provide meals or personal care services, but they’ll often arrange and provide transportation for various social activities.

homecareHome care

Care delivered in the individual’s home that includes Personal Care, Homemaker Services and Companionship Services.

(See our Aging In Place and Household Safety Equipment pages for ideas on how to adapt a home to a senior’s needs.)

seniorSenior Housing

Often call 'active adult' communities, these apartments or condos cater to people 55+ who can live independently.

They generally do not provide meals or personal care services, but they’ll often arrange and provide transportation for various social activities.

Continuing Care Retirement Community (CCRC)

community1A residential campus that offers a continuum of care—from private units, to assisted living, to skilled nursing all within the same community. Designed to offer active seniors an independent lifestyle while offering assisted living or skilled nursing services within the same community when the need arises. Different communities offer different levels of community activities (e.g. social events, outings, golf) and community services (e.g. cleaning, laundry, meals, ground maintenance, security).

maskedNursing Home

A skilled facility (with doctors and nurses on staff) for those people needing constant medical care or supervision and having very significant difficulty performing Activities of Daily Living (bathing, grooming, eating, toileting).

adultcareAdult Day Health/Care

Daily structured programs in a community setting with activities as well as health-related and rehab services for the elderly who are physically and/or emotionally disabled and need a protective environment.

Alzheimer’s and Memory Care

grandparentThese facilities might be a separate part of assisted living communities, continuing care communities or nursing homes, or they might stand alone. They’re tailored to meet the special needs of those with cognitive impairment such as Alzheimer’s and other dementia-related conditions. They focus on security as well as care and provide therapy and activities designed to improve the quality of life of those at all stages of dementia.

Some in-home care providers such as Four Seasons Healthcare also provide Alzheimer’s and dementia care while enabling the patient to remain in the comfort and familiarity of their own home

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