How To Compare Low Cost Long Term Care Insurance In Connecticut

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How to Compare Low-Cost Long-Term Care Insurance in Connecticut


Overview

Connecticut residents seeking long-term care should understand the different types of facilities available. It's essential to compare similar types of care to make well-informed decisions. For example, comparing an assisted living facility with an adult day care may lead to biased conclusions.

Types of Long-Term Care Facilities in Connecticut


1. Nursing Homes

Nursing homes provide 24-hour care for individuals unable to care for themselves due to chronic illness or recovery needs that surpass hospital care. This can include seniors or patients needing extensive rehabilitation.

2. Assisted Living

Assisted living facilities cater to individuals who are not bed-ridden but require help with daily tasks like cleaning, cooking, and bathing. They mostly serve the elderly who don't need round-the-clock care.

3. Adult Day Care

These facilities offer daytime health monitoring and basic care, ensuring patients are well-nourished and monitored for vital signs like blood pressure. They provide support but not overnight care.

4. Continuing Care Retirement Community

These communities offer lifetime care for the elderly and often require residents to have substantial financial resources. Residents typically sell their homes to finance their stay, receiving varying levels of care based on their health needs.

5. Residential Care

Residential care homes provide food, laundry, and shelter without needing skilled nursing. They assist with daily activities like preparing meals, dressing, and bathing, offering a less intensive care option.

By understanding these facility types, Connecticut residents can make more informed choices when comparing long-term care insurance options.




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