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 requirements in long-term care insurance.
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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.” [Read more…] about When is LTC Needed? Medical 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 are four disability models traditionally used to measure ones inability to function independently in society. They are the Social Model (IADL’s), the Physical Model (ADL’s), the Mental Model (Cognitive Impairment), and the Medical Model (Injury or Sickness or medically necessary). [Read more…] about When is LTC Needed? Social Model
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 traumas, such as broken bones. Women also have medical needs associated with childbirth.
On the other hand, the elderly, while experiencing some acute problems, primarily suffer from chronic, degenerative diseases. [Read more…] about Why is Long-Term Care Needed?
Although the term long-term care (LTC), has been clearly defined for several decades, consumers, insurance agents and others in the industry continue to be confused by the basic definition, leading to myths and misconceptions regarding services and financing.
Long-term care encompasses the organization, delivery and financing of a broad range of services and assistance to people who are severely limited in their ability to function independently on a daily basis over a relatively long period of time. [Read more…] about What is Long-Term Care?