Facing Kev muaj tiag
California Partnership for Long-Term Care
Qhov Tseeb yog dab tsi?
Ntau tus neeg California yuav xav tau kev saib xyuas mus sij hawm ntev hauv lawv lub neej tshaj li cov tshuaj ntshav siab. Txawm li cas los xij, tsuas yog ib ntawm kaum tus neeg California tau ua cov kauj ruam los npaj rau qhov kev siv nyiaj txiag thiab kev xav tsis zoo no. Nws yog ib lub ncauj lus uas peb feem ntau xav tsis quav ntsej. Txawm li cas los xij, tsis muaj kev npaj saib xyuas mus sij hawm ntev, ntau tus neeg hauv California tau poob lawv txoj kev ywj pheej, raug nyiaj txiag puas tsuaj thiab hloov lub nra ntawm kev saib xyuas rau lawv cov menyuam thiab cov neeg hlub.
Ob ntawm peb tus neeg California yuav xav tau kev saib xyuas mus sij hawm ntev.
Long-Term Care yog dab tsi?
Long-term care is different from the rest of your health care, and it’s not typically covered under health insurance policies, HMO plans, Medicare or Medicare supplemental policies. Some may also cover nursing home care or home care but typically only on a short-term or limited basis.
Long-term care includes personal care assistance, such as help with bathing, eating or dressing, that you require over a lengthy period. That’s why it can be very expensive. Long-term care can range from simple assistance with activities in your own home or a residential care facility, or it can mean highly skilled care in a nursing facility. The possibility of needing long-term care due to an illness or physical disability is something most people would rather not think about. But as we get older and because we are living longer, the likelihood that we will need some kind of assistance is very real. Long-term care coverage will help you live your life with dignity and independence.
Nov yog daim ntawv teev npe ntawm cov dej num ntawm kev ua neej nyob txhua hnub uas them rau kev saib xyuas mus sij hawm ntev:
- da dej
- Hnav khaub ncaws
- Chav dej
- Hloov (los ntawm txaj mus rau lub rooj zaum)
- Noj
- Continence
Long-Term Care Facts Long-Term Care Myths
California Partnership yog dab tsi?
Muaj ntau ntau txoj hauv kev los tswj kev saib xyuas mus sij hawm ntev uas haum rau tus kheej sib txawv, cov peev txheej thiab cov txiaj ntsig ntawm txhua tus neeg California. Ib qho kev daws teeb meem, txhawb nqa los ntawm California Lub Tsev Haujlwm Saib Xyuas Kev Noj Qab Haus Huv, yog California Partnership for Long-Term Care (Partnership). Tsim los ntawm 1994, Kev Sib Koom Tes yog ib txoj haujlwm tsim los pab cov neeg California nrhiav cov teeb meem saib xyuas mus sij hawm ntev.
Kev Sib Koom Tes ua haujlwm nrog cov neeg tuav pov hwm ntiag tug xaiv, uas ua tau raws li cov qauv nruj nruj los ntawm lub xeev, los tsim cov cai pov hwm tshwj xeeb uas tiv thaiv koj thiab koj tsev neeg los ntawm cov nqi puas tsuaj thiab kev nyuaj siab uas feem ntau cuam tshuam nrog kev saib xyuas mus sij hawm ntev. Tag nrho cov kev pom zoo ntawm Kev Koom Tes muaj cov yam ntxwv tseem ceeb uas tsim nyog rau kev tuav pov hwm mus sij hawm ntev zoo xws li:
- Ua-nyob rau hauv tsis siv neeg nce nqi tiv thaiv ntawm 5 feem pua txhua xyoo.
- Kev saib xyuas kev sib koom tes thiab kev saib xyuas los ntawm cov kws kho mob muaj ntawv tso cai ywj pheej ntawm lub tuam txhab tuav pov hwm los tsim ib txoj kev npaj saib xyuas raws li koj tus kheej xav tau thiab cov peev txheej.
- Ib zaug-hauv-ib-lub neej txiav tawm kom yog tias koj tsis siv cov txiaj ntsig ntawm txoj cai thiab tom qab ntawd yuav tsum siv lawv dua, koj yuav tsis tau them tus nqi thib ob.
- Kev zam kev them nqi rau txhua hnub koj txoj cai them rau kev saib xyuas hauv tsev laus lossis chaw tu neeg nyob.
- Medi-Cal kev tiv thaiv cov cuab yeej cuab tam kom ntseeg tau tias ib feem ntawm koj cov cuab tam muaj kev tiv thaiv yog tias koj xav tau kev tso siab rau Medi-Cal.
Kev nyuaj siab ntawm Kev Kho Mob Sij Hawm Ntev
Kev saib xyuas los ntawm tus nqi. Rau ntau tus neeg, muaj kev nkag siab ntawm lub luag haujlwm los saib xyuas tus neeg hlub, yog tias tsis yog qhov tsim nyog, thiab nws yog qhov xav tau uas nce ntxiv txhua xyoo.
Nws feem ntau pib nrog kev hu xov tooj. Thiab peb pom peb tus kheej nyob rau hauv ib qho xwm txheej uas peb xav tau - lossis tsis xav txog - yuav tsum tau saib xyuas niam txiv, txij nkawm lossis menyuam yaus. Tom qab ntawd nws dhau los ua lub luag haujlwm tag nrho uas tuaj yeem tso tus neeg saib xyuas nrog chav ua pa me me rau lawv tus kheej kev noj qab haus huv thiab kev noj qab haus huv.
Muaj khoom plig rau kev ua tus saib xyuas tab sis peb kuj yuav tsum tau daws cov teeb meem uas tuaj nrog lub luag haujlwm no. Cov neeg saib xyuas feem ntau yuav pom lawv tus kheej nyob rau hauv qhov xwm txheej uas ua rau qaug zog thiab nrhiav kev nyuaj rau thov kev pab. Thiab vim li no, lawv feem ntau raug kev kub ntxhov, qaug zog thiab kev nyob ib leeg, thiab tawm tsam nrog kev sib raug zoo nrog lawv tsev neeg. Kuj tseem muaj qhov tsis sib haum xeeb ntawm kev ua txhaum thiab kev chim siab uas nkag mus rau hauv lub sijhawm taug kev ntawm kev saib xyuas, thiab tsev neeg muaj kev cuam tshuam ntau dua li tsev neeg tawm tsam kev txiav txim siab.
Muaj ib lub nra hnyav uas tshwm sim nrog kev saib xyuas. Nws yog ib qho tseem ceeb rau cov neeg saib xyuas kom nrhiav tau lwm yam kev pab lossis kev txhawb nqa los pab txo qee lub luag haujlwm.
Caregiving Resources
Tus Nqi Kho Mob Ntev
We never want to think about the possibility that we’ll one day need help with dressing, eating, bathing or using the toilet, yet someone turning age 65 today has almost a 70 percent chance of needing some type of long-term care in their remaining years.1 When daily activities become difficult and you or a loved one need long-term care because of a chronic physical condition, such as arthritis, or a degenerative mental disease, such as Alzheimer’s, who will pay for this care?
The duration and level of care varies from person to person, but even average long-term care costs can be out of reach for many Americans without some kind of financing in place. We have calculators to help you understand the financial costs, but you also have to weight the human costs of time, emotional stress and suffering. There’s no amount of planning or money that will remove all of these problems, but simple advance planning can significantly reduce some of these challenges.
Kev saib xyuas mus sij hawm ntev tuaj yeem kim heev thiab ntau tus neeg yuav xav tau kev saib xyuas rau lub sijhawm ntev (ib xyoos lossis ntau dua).
- Tus nqi tsev laus hauv California tau nruab nrab $290 ib hnub hauv 2017, nrog rau txhua xyoo tus nqi saib xyuas ze li $110,000.
- Qhov nruab nrab, tib neeg xav tau ob xyoos ntawm kev saib xyuas mus sij hawm ntev, tab sis ib ntawm tsib yuav xav tau nws ntev dua tsib xyoos.
- Feem ntau, cov poj niam xav tau kev saib xyuas ntev dua li cov txiv neej (3.7 xyoo piv rau 2.2 xyoo).