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A - Z Browse

- 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
  - Medicare
  - Medicaid
  - Veterans Affairs Benefits
  - Other State Programs
- Housing   - Where You Live Matters
  - Staying in Your Home
  - Living in a Facility
- Legal Steps   - How to Decide
  - Advance Care Plan Considerations
  - Will I Need a Lawyer?
  - Legal Steps for Medical Well-being
  - Legal Steps for Financial Well-being

Welcome to

LongTermCare.gov

            -  Home 
            -  LTC Home 
            -  Basic Needs 
            -  Long-Term Care Pathfinder 
            -                   Planning Ahead After Age 65              

# Planning Ahead After Age 65

## 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, after age 65, we've pulled together a list of important **things you should know** and **can do** now to help you prepare for later.

## Things You Should 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.
                  - 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.
                  - You may be able to receive care from providers and/or local programs in your community. Learn more about local options by visiting the  Finding Services  page.
                  - The need for long-term care often follows a fall. By learning to prevent a fall, you may delay your need for long-term care and even prolong your time at home. Find tips on  Falls Prevention .
                  - Being close to children or other family is often important when long-term care services are needed.
                  - 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 longerbe able to make those decisions for yourself. Consult the  Advance Care Plan Considerations  page for more information.
                  - While insurance may not be possible there are other options such as a  reverse mortgage , or savings. Refer to the  Costs & How to Pay  section for further information on age-appropriate options.
                  - Modifying your home may allow you to stay there longer, as you age. Refer to the  Staying in Your Home  page for ideas.
                  - If you plan on moving to a facility consider the different types of facilities, their associated costs, amenities, and locations. See the  Living in a Facility  section for more information.

## Things You Can Do

                  - Obtain an Advanced Care Directive:  Advanced Care Plan Considerations
                  - Consider home modifications:  Staying in Your Home
                  - Consider different types of facilities:  Living in a Facility
                  - Make a plan for how you will pay for services:                     - Costs of Care
                    - What is Covered by Health & Disability Insurance
                    - Using Life Insurance to Pay for Long-term Care
                    - Reverse Mortgages 

*Last modified on 02/18/2020*

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