Long-term care mainly refers to the aid or care required after the person becomes unable to take care of himself. This group consists primarily of people who have retired from the workforce and live on meagre pensions.
Human life is always on the verge of something new. One stage of this perilous life follows another, and everyone reaches a point in his or her life when he or she requires special attention, love, care, and assistance. Unfortunately, this does not occur because people today are so preoccupied with their own lives that the elderly and the sick are frequently overlooked without a second thought. However, some non-governmental organisations and the government have taken on the responsibility of assisting such people during their time of greatest need.
The Family Dimension
There is no denying that the family of the person needing long-term care is extremely important. The majority of long-term care patients suffer from serious illnesses, such as Parkinson's, Alzheimer's, and other conditions that render a person unaware and inattentive. However, there are instances of permanent illnesses brought on by terrible incidents that result in spinal cord failure and similar conditions, necessitating total bed rest. The initial support is readily given by the families of these patients. They exert as much effort as they can to provide the patient with the best care. But, issues arise over time when family members must prioritise their own professions. It becomes extremely difficult for some families to care for the patient in this situation. The amount of money spent each day is also a major source of contention. It is especially difficult for a middle-class family to spend money on a member's long-term, and sometimes permanent, illness. Not only that, but it is discovered that several other disputes begin to bloom in this bleak scenario.
'Prevention is better than cure,' as the wise proverb goes, and many families take out medical insurance for each and every member. This provides them with significant financial support from the government. While many wealthy families provide long-term care through personal savings.
The Function of the State
Each nation's government makes aid for patients in long-term care possible. The government programme is especially for those with low incomes who have struggled to save money and buy insurance plans over the course of their lives. All veterans and their companions are supposed to receive care from the Veteran's Administration (VA). The veterans who receive treatment are primarily former prisoners of war, people with low incomes, and people who became crippled as a result of their service.
The Medicaid programme, a combined federal-state initiative, strives to provide long-term nursing care for older patients.
Personal Preparation
It is always prudent to save your own money for use in an emergency. Even in the worst-case scenario, this foresight can make your and your family's future happier. Money is required in all aspects of life. Even if you only save a penny a day since childhood, it will be of great assistance in the long run. So, it is better to be wise today than to be sorry later.
