Long-term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long-term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (“ADLs”), which are:
- Using the toilet
- Transferring (to or from bed or chair)
- Caring for incontinence
Cost of Long-Term Care in Texas
The cost of long-term care depends on a number of factors, such as where the care is provided (at home, assisted living, or nursing home), the geographic region, and the amount and level of care needed.
According to The Genworth 2014 Cost of Care Survey, the average annual cost of care in Texas is broken down as follows:
- Home Care (based on 44 hours per week, 52 weeks a year) is $41,184 with a 5-yr. growth rate of 1 to 2%.
- Assisted Living is $42,270 with a 5-yr. growth rate of 5%.
- Nursing Home with a Semi-Private Room is $50,735 with a 5-yr. growth rate of 3%.
- Nursing Home with a Private Room is $65,700 with a 5-yr. growth rate of 3%.
Even within Texas, the average cost of care can range widely. Therefore, when planning for potential long-term care costs, it is important to inquire into such costs in your area.
Paying for Long-term Care
Medicare and private health insurance will not pay for long-term care. Our elder law attorneys can assist you in evaluating long-term care insurance options. If you cannot get or afford long-term care insurance, we can assist you in identifying and obtaining eligibility for governmental benefits, including Medicaid and Veterans’ Benefits. We encourage you to call us today for your free initial consultation.