• Long Term Care yog dab tsi?​​ 
• Yam Koj Yuav Tsum Paub!​​ 
• Lub Sijhawm Saib Xyuas Lub Sijhawm Ntev​​ 
• Nursing Home Residents’ Rights​​ 

Long-Term Care yog dab tsi?​​ 

Kev saib xyuas mus sij hawm ntev txawv ntawm lwm yam kev kho mob ntawm koj, thiab feem ntau nws tsis raug them los ntawm cov cai pov hwm kev noj qab haus huv, cov phiaj xwm HMO, Medicare lossis cov cai ntxiv ntawm Medicare. Cov phiaj xwm kho mob yog tsim los muab kev pab them nqi thaum koj tau txais kev kho mob los ntawm kws kho mob lossis kev kho mob hauv tsev kho mob. Qee qhov kuj tseem yuav them rau kev saib xyuas neeg mob hauv tsev lossis kev saib xyuas hauv tsev - tab sis feem ntau, tsuas yog rau lub sijhawm luv luv lossis tsawg xwb.​​ 

Kev saib xyuas mus sij hawm ntev suav nrog kev saib xyuas tus kheej, xws li kev pab da dej, noj mov lossis hnav khaub ncaws uas koj xav tau ntev. Yog vim li ntawd nws thiaj kim heev. Kev saib xyuas mus sij hawm ntev tuaj yeem suav nrog kev pab yooj yim nrog cov dej num hauv koj lub tsev lossis chaw saib xyuas neeg mob lossis nws tuaj yeem txhais tau tias kev saib xyuas kws tshaj lij hauv chaw saib xyuas neeg mob. Qhov ua tau tias yuav xav tau kev saib xyuas mus sij hawm ntev vim muaj mob lossis kev tsis taus ntawm lub cev yog ib yam uas feem ntau cov neeg tsis xav txog. Tiamsis thaum peb laus zuj zus, thiab vim peb muaj sia nyob ntev dua, qhov uas peb yuav xav tau kev pab yog qhov tseeb. Kev them nqi kho mob mus sij hawm ntev yuav pab koj ua neej nyob nrog kev hwm thiab kev ywj pheej.​​ 

Yam Koj Yuav Tsum Paub​​ 

If you require long-term care because of a chronic physical condition such as arthritis or Parkinson’s disease, who will pay for it? Should you need assistance because of a degenerative mental disease, such as Alzheimer’s, who will pay for care? The answer is probably you, unless you act to protect yourself.​​ 

Kev saib xyuas mus sij hawm ntev tuaj yeem kim heev. Tus nqi nruab nrab ntawm tsev laus hauv California yog $ 250 ib hnub hauv xyoo 2011 (lossis $ 91,250 ib xyoos). Ntawm cov neeg uas nkag mus rau hauv cov tsev laus, 44.1% yuav siv tag nrho lub neej tsawg kawg yog ib xyoos, 43.9% yuav nyob nruab nrab ntawm ib xyoos thiab tsib xyoos, thiab 12% yuav siv tag nrho lub neej tsib xyoos lossis ntau dua, (U.S. DHHS/CDC Daim Ntawv Soj Ntsuam Hauv Tebchaws ntawm Tsev Laus: 2004 Txheej Txheem Saib Xyuas). Qhov no txhais tau tias ntau dua ib nrab ntawm cov neeg uas mus rau hauv tsev laus yuav siv nyiaj ntawm $ 91,250 thiab $ 456,250 (hauv xyoo 2011 duas las) thiab ib tus neeg ntawm txhua kaum tus yuav siv nyiaj ntau dua, tej zaum ntau dua li ntawd. Thiab koj yuav tsum tsis txhob hnov qab tias ua ntej feem ntau cov neeg nkag mus rau hauv tsev laus, lawv yuav tau tawm tsam ntau xyoo nrog tus nqi ntawm kev saib xyuas mus sij hawm ntev hauv lawv lub tsev. Qhov ua tau tias yuav xav tau kev saib xyuas mus sij hawm ntev yog ib yam uas feem ntau ntawm peb tsis xav txog. Txawm li cas los xij, "Yuav luag 7 ntawm 10 tus neeg hnub nyoog tshaj 65 xyoo yuav xav tau kev saib xyuas mus sij hawm ntev rau qee lub sijhawm hauv lawv lub neej", (Tebchaws Meskas Lub Chaw Haujlwm Saib Xyuas Kev Noj Qab Haus Huv thiab Kev Pabcuam Tib Neeg, 2009), (Kev them rau kev saib xyuas mus sij hawm ntev, rau koj tus kheej lossis ib tus neeg koj hlub, txhais tau tias yuav tso tseg tag nrho koj cov nyiaj khaws cia lossis poob koj txoj kev ywj pheej nyiaj txiag, tshwj tsis yog tias koj npaj ua ntej.​​ 

Cov Lus Qhia Txog Kev Kho Mob Ntev Ntev:​​ 

Medicaid Facts​​ 

In 1995, 35.2 million people received Medicaid benefits. 11% were elderly.
In 1995, $152.4 billion was expended for Medicaid benefits. 26.3% of the cost was for the elderly. 35.4% of the costs for the elderly were for LTC services.
Medicaid pays half of all nursing home costs and 14% of home health costs in the U.S.
Three-fourths of Medicaid LTC spending is on institutional services.
Source: “Medicaid Facts”, The Kaiser Commission on the Future of Medicaid, November, 1997.​​ 

LTC Cov Lus Tseeb​​ 

Muaj ntau tshaj 12 lab tus tib neeg nyob hauv Tebchaws Meskas xav tau kev saib xyuas mus sij hawm ntev.
Yuav luag ib nrab ntawm cov neeg uas xav tau kev saib xyuas yog cov neeg hnub nyoog qis dua 65 xyoos, suav nrog 5.3 lab tus neeg laus uas muaj hnub nyoog ua haujlwm.
Ntawm 1.3 lab tus neeg laus uas nyob hauv tsev laus, ib nrab muaj hnub nyoog tshaj 85 xyoo thiab ntau dua 80% muaj kev puas tsuaj loj heev (xav tau kev pab nrog peb lossis ntau dua kev ua ub no txhua hnub). Muaj ntxiv 1.3 lab tus neeg uas xav tau kev saib xyuas mus sij hawm ntev tau txais kev saib xyuas hauv zej zog.
Qhov chaw: Kaiser Family Foundation, Lub Peb Hlis Ntuj xyoo 2001 Cov Lus Tseeb Txog Medicaid​​ 

LTC Insurance Qhov tseeb​​ 

Muaj ntau tshaj 5.8 lab daim ntawv pov hwm LTC tau raug yuav hauv Tebchaws Meskas txog rau lub Rau Hli 30, 1998. Kwv yees li ntawm 450,000 ntawm cov no tau raug yuav hauv
.Thoob plaws lub tebchaws, muaj 5% kev nkag mus rau hauv kev lag luam rau kev muag daim ntawv pov hwm LTC. California txoj kev nkag mus rau hauv kev lag luam yog 7.21%
Thoob plaws lub tebchaws, muaj ntau dua 2,100 tus tswv ntiav haujlwm muab kev pov hwm LTC rau pawg neeg. Cov tuam txhab suav nrog: Nissan, Procter & Gamble, IBM, AT&T, CBS, Delta Airlines, Dow Chemical.
Ob feem peb ntawm cov neeg yuav daim ntawv pov hwm muaj cov nyiaj tau los tsawg dua $ 35,000.
Ib feem peb ntawm cov neeg yuav daim ntawv pov hwm muaj cov cuab tam tsawg dua $ 30,000.
Qhov laj thawj uas ib tus neeg feem ntau hais txog rau kev yuav kev pov hwm kev saib xyuas mus sij hawm ntev yog kom muaj kev ywj pheej xaiv.
Tau los ntawm: Lub Koom Haum Pov Hwm Kev Noj Qab Haus Huv ntawm Asmeskas, Kev Ntsuam Xyuas, 1998​​ 

Cov neeg siv khoom tseeb​​ 

Cov neeg laus muaj 77% ntawm lub teb chaws cov cuab tam thiab 40% ntawm cov nyiaj tau los ntawm kev txiav txim siab.
Cov neeg siv khoom laus nyiam "tus nqi zoo" thaum cov neeg siv khoom hluas nyiam "kev muag khoom zoo".
Cov neeg yuav khoom laus dua feem ntau ntsuas "cov neeg muag khoom pab tau, tus phooj ywg, thiab paub ntau yam" ntau dua li cov neeg yuav khoom hluas.
Tau los ntawm: Kev Ceeb Toom Txog Kev Tshawb Fawb, Lub Caij Nplooj Ntoos Hlav 1998

Cov poj niam muaj sawv cev ntau dhau hauv cov neeg tau nyiaj tsawg dua thiab tsis muaj sawv cev ntau hauv cov neeg tau nyiaj ntau dua txawm tias cov poj niam yog 51% ntawm cov neeg ua haujlwm hauv California.
Ntawm txhua tus neeg uas muaj hnub nyoog tshaj 65 xyoos uas tau txais cov txiaj ntsig Social Security hauv California, 6.2% ntawm cov txiv neej kuj tau txais Supplemental Security Income (SSI - txhais tau tias lawv yog neeg xiam oob qhab), thaum 10.3% ntawm cov poj niam kuj tau txais SSI.
Ntawm txhua tus neeg uas muaj hnub nyoog tshaj 65 xyoo hauv California, cov nyiaj tau los nruab nrab ntawm tus kheej yog $ 32,300 rau cov txiv neej thiab $ 23,900 rau cov poj niam ($ 8,400 tsawg dua rau cov poj niam).
Ntawm txhua tus neeg uas muaj hnub nyoog tshaj 65 xyoo hauv California, 11.8% ntawm cov txiv neej tau txais Medi-Cal piv rau 15.3% ntawm cov poj niam.​​ 

Tau qhov twg los: California Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag, Daim Ntawv Qhia Txog Cov Pej Xeem Tam Sim No, Lub Peb Hlis 2001​​ 

Cov Cai ntawm Tus Neeg Nyob Hauv Tsev Neeg Laus​​ 

Thaum koj raug xa mus rau hauv tsev laus, koj khaws tag nrho koj cov cai thiab kev ywj pheej ntawm tib neeg thiab pej xeem. Cov cai lij choj ntawm tsoomfwv tebchaws thiab lub xeev teev cov cai ntawm cov neeg nyob hauv tsev laus kom meej, thiab yuav tsum tau kom cov neeg ua haujlwm ntawm Lub Tsev Haujlwm Saib Xyuas Kev Noj Qab Haus Huv uas tshuaj xyuas koj lub tsev laus txiav txim siab seb lub tsev no puas tiv thaiv thiab txhawb nqa koj cov cai.​​ 

Nrhiav cov ntaub ntawv ntxiv txog koj cov cai ua tus neeg nyob hauv tsev laus lossis tiv tauj Lub Chaw Haujlwm Saib Xyuas Kev Noj Qab Haus Huv Pej Xeem, Chaw Ua Haujlwm Tso Cai thiab Kev Pom Zoo hauv Cheeb Tsam ze koj tshaj plaws. Yog xav tau daim ntawv teev cov chaw ua haujlwm hauv cheeb tsam Licensing and Certification, thov nias qhov no, lossis tiv tauj Ombudsman Program hauv koj lub nroog. Tus xov tooj rau Ombudsman Program hauv zos tau muab tso rau hauv koj lub tsev laus.​​