Guiding seniors and families during the transition to Long-Term Care

For many families, the decision to move a loved one to a long-term care (LTC) community is a significant and emotional step. Understanding the process and available support can make this transition smoother for everyone involved.

Long-term care includes services tailored to assist those who need help with daily activities due to aging, illness, or disability. According to the National Institute on Aging, about 60 percent of people will require some form of long-term care in their lifetime. Services vary from skilled nursing care, provided after hospital stays or for ongoing needs, to assisted living arrangements that offer more independence while still providing support.

Despite its importance, the financial aspect of long-term care can be confusing, deterring families from exploring it when needed. Immanuel is dedicated to supporting families through this important transition. Our compassionate care and professional guidance aim to make the process as smooth as possible for both seniors and their families.

Ali Subbert, Associate Executive Director at Deerfield Long-Term Care, an Immanuel Signature Community in Des Moines, Iowa, said many mistakenly believe Medicare will cover long-term care services.

“Medicare will cover a short-term skilled stay if someone qualifies — generally by having three overnights as a patient at a hospital,” Ali said. “The only coverage for long-term care is when someone does not have enough assets to afford long-term care, and that would require applying for Medicaid.”

Ali added that some people have long-term care insurance to help financially cover some of their long-term care.

“Financial coverage of long-term care is extremely complex, so I would encourage people to understand their coverage and, if they have questions, reach out for assistance,” she said. “Each state has a State Health Insurance Assistance Program (SHIP) that can help navigate the insurance world.”

The transition itself can be emotionally taxing. John Turner, Executive Director of Newport House, an Immanuel community in Omaha, Nebraska, said seniors often struggle with losing independence, while caregivers might feel a sense of guilt or inadequacy.

To help manage these challenges, experts suggest a few key strategies. Getting to know the community’s staff and discussing the needs and preferences of your loved one beforehand can make a significant difference.

“Allow time for adaptation and be willing to accept the changes,” Turner said. “Building a positive relationship with the staff and maintaining open communication can help ease the process.”

Emotional support is also crucial during this transition. Experts recommend seeking help from social workers or mental health professionals to navigate feelings of loss or guilt. Once the move is complete, regular visits and staying involved with the community’s staff are essential to ensure that your loved one receives the care they need.

“Offering emotional support and being proactive about any concerns can greatly help both the individual and their family,” Ali said.

For more information about Immanuel’s long-term care communities, please contact our team.