For those who can no longer take care of themselves, long-term care is a broad term for many different options including nursing homes and in-home care. Long-term care can be expensive. Long-term care insurance is designed to help pay for those expenses. Depending on the plan you choose, it may pay part or all of your care.

Long-term care usually consists of some combination of skilled care, intermediate care and custodial care. Skilled care is the most expensive service involving round-the-clock care by a registered nurse under the close supervision of a physician. Intermediate care is less intense and includes occasional nursing and rehabilitative care under the supervision of medical personnel. Custodial care is home care. It provides for the basic, non-medical needs of a patient such as cooking, bathing and other day-to-day needs.

Visit our Long-Term Care Overview to learn more.

Download our Long-Term Care Guide

Whether you are a senior or caregiver, the topic of elder care and everything related to it may be overwhelming. There are resources available to you that can help.

• State of Florida - Department of Elder Affairs
  The Department of Elder Affairs mission statement is to promote the well-being, safety and independence of Florida’s seniors, their families, and caregivers and their vision is to help all Floridians live and age well.
  

• Florida SHINE Program – Serving Health Insurance Needs of Elders
  1-800-963-5337
  

• Agency for Health Care Administration
  

• Florida Council on Aging
  

• National Alliance for Caregiving
  

• Family Caregiver Alliance
  

• National Council on Aging

Fraud and scams are an unfortunate part of today's world. It is important for everyone to be educated about this reality and learn how to not fall victim. The elderly are particularly vulnerable for various reasons, from generational trust to age-related cognitive health issues. Elder abuse is a growing public health problem. Data suggests one in 10 adults in the United States experience physical, psychological, and sexual abuse, neglect, or financial exploitation. Below are resources related to education and the authorities to report fraud, scams and elder abuse.

• Florida Department of Financial Services – Be Scam Smart
  

• Florida Office of Attorney General – Report Senior Fraud
  

• Florida Department of Elder Affairs
  

• Florida Department of Children and Families – Adult Protective Services
  

• Federal Trade Commission (FTC)
  

• Consumer Financial Protection Bureau (CFPB)
  

• National Elder Fraud Hotline
  1-833-372-8311

• Seniors vs Crime

  1-800-203-3099

• Internet Crime Complaint Center (IC3)