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- Basic Needs   - Understanding Long-Term Care
  - What is Long-Term Care?
  - Long-Term Care Pathfinder
  - Who Needs Care?
  - How Much Care Will You Need?
  - Who Will Provide Your Care?
  - Where Can You Receive Care?
  - Finding Local Services
  - Who is in Charge? Radio PSAs
- Costs & Who Pays   - Overview
  - Who Pays for Long-Term Care?
  - Costs of Care
  - What is Covered by Health & Disability Insurance?
  - What is Long-Term Care Insurance?
  - Paying Privately
- Medicare, Medicaid & More   - Overview
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- Housing   - Where You Live Matters
  - Staying in Your Home
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- Legal Steps   - How to Decide
  - Advance Care Plan Considerations
  - Will I Need a Lawyer?
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            -                   Planning Ahead Between the Ages of 51 and 64              

# Planning Ahead Between the Ages of 51 and 64

## Basic Needs

                    -  Understanding Long-Term Care 
                    -  What is Long-Term Care? 
                    -  Long-Term Care Pathfinder                        -  Planning Ahead Before Age 50 
                      -  Planning Ahead Between the Ages of 51 and 64 
                      -  Planning Ahead After Age 65 
                      -  Planning for Dementia 
                      -  Planning for LGBT Adults 
                      -  Already Receiving Long-Term Care 
                    -  Who Needs Care? 
                    -  How Much Care Will You Need? 
                    -  Who Will Provide Your Care? 
                    -  Where Can You Receive Care? 
                    -  Finding Local Services 
                    -  Who is in Charge? Radio PSAs 

To help you best plan for your long-term care, between the ages of 51 and 64, we've pulled together a list of important things you should know and can do now that will make tomorrow a whole lot easier.

## Things to Know

                  - Medicare  only  pays for long-term care if you require skilled services or rehabilitative care and Medicare  does not  pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services. Read the section on  Medicare  for more information.
                  - Long-term-care may cost more than you think. Read more about  Costs of Care .
                  - There are many different ways to receive care and many different settings in which to receive it. To learn more about different care setting, see the  Where You Can Receive Care  section of the site.
                  - Where you live matters – your ability to stay at home may depend on the layout of your home, especially the bathrooms. Refer to the  Staying in Your Home  page for ideas.
                  - Planning for long-term care can protect your family from the financial impact of paying for care and the emotional impact of making decisions for you. Review the  How to Decide  section for more information.
                  - By obtaining an Advanced Care Directive you can inform your family or loved ones about how to make important health decisions for you, should you no longer be able to make those decisions for yourself. Consult the  Advance Care Plan Considerations  page for more information.
                  - By taking an inventory of your resources, you can determine how you will pay for services and who you can count on to assist. Options exist for pre-funding the care you need such as insurance or savings. Refer to the  Costs & How to Pay  section for more information.

## Things You Can Do

                  - Obtain an Advanced Care Directive:  Advanced Care Plan Considerations
                  - Make a plan for how you will pay for services:                     - Costs of Care
                    - What is Long-term care Insurance
                    - Using Life Insurance to Pay for Long-term Care
                    - Annuities
                    - Reverse Mortgages 
                  - Consider home modifications:  Staying in Your Home
                  - Learn how you may be able to reduce some risks to your  brain health .

*Last modified on 05/10/2022*

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