One of the key levers agents use to present lower LTC Insurance premiums to their prospective clients is recommending longer elimination periods. Sometimes called the waiting period, the elimination …
When is LTC Needed? Mental Model
As a physical assessment, ADLs do not always show if a person needs care. More elaborate functional assessment instruments, such as the OARS Multi-Dimensional Functional Assessment Questionnaire 5 …
When is LTC Needed? Physical Model
The physical model relates to an individual’s ability to function independently in the community. Both physical and mental measurements are being used in state and federal laws to govern eligibility …
When is LTC Needed? Medical Model
The medical model is often referred to as “medically necessary” care and/or due to “injury or sickness”. Another term being used in the medical model is “complex but stable medical condition.” …
When is LTC Needed? Social Model
The key to long-term care is functioning. Therefore, long-term care authorities have given considerable attention to defining and measuring minimal components of independent functioning. There …
Why is Long-Term Care Needed?
The health problems of the elderly differ from those of younger persons both in degree and in kind. The young and the middle-aged tend to suffer from acute problems, such as infectious diseases, and …