Long-term Care Planning

older couple

Do you know the answers to these questions?

  • Will Medicare or private insurance pay for in-home care for my mother if she becomes ill or disabled?
  • What is an advance directive?
  • Do I need long-term care insurance?
  • Should I get a reverse mortgage?
  • What programs are available in my community to help me stay active and healthy? 

These are important questions that should be answered as part of the long-term care planning process. Whether you`re exploring options for yourself or an aging loved one, call Council on Aging`s Call Center (513-721-1025) for help answering these questions and more. 

It`s a fact: 70 percent of us will need some type of long-term care in our lifetime. 


What is long-term care?

Long-term care is the help you need when you`re not able to perform daily activities by yourself such as preparing food, dressing, bathing, managing medications or handling personal paperwork. 

Many people learn about long-term care the hard way: when they or a loved one need care, and quickly. Too often, that`s when they discover: 

  • Long-term care can be expensive
  • Medicare doesn`t cover it
  • There are many complex issues - finances, insurance, legal matters - that can`t be dealt with properly in a crisis
  • Options may be limited if you haven`t planned ahead 

Contrary to popular belief, long-term care does not mean a one-way trip to the nursing home. In fact, long-term care today is more likely to be delivered in a variety of settings such as home, adult day centers, and assisted living facilities.

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Own Your Future 

If you`re one of 1.7 million Ohioans age 45 to 65, you may be familiar with Ohio`s Own Your Future campaign.  The campaign began in the spring of 2008 with a letter mailed to Ohioans in this age group encouraging you to start planning for your long-term care needs by requesting a free Long-Term Care Planning Kit and scheduling a free consultation with your local Area Agency on Aging (in southwestern Ohio, that`s Council on Aging).  

  • Click here to download a copy of Ohio`s Long-Term Care Planning Kit. 

The campaign is a collaboration of federal and state agencies - the U.S. Dept. of Health and Human Services, the federal Center for Medicare and Medicaid Services, and state level departments of aging and insurance. Ohio is the 18th state to participate in the campaign. 

The Own Your Future campaign:

  • describes various tools, services and products available to help meet long-term care needs
  • encourages legal and estate planning
  • helps consumers explore the best ways to pay for the long-term care services they choose
  • stresses the importance of healthy lifestyles

Periodically, COA hosts Own Your Future workshops to help people learn about and plan for their long-term care needs.  The workshops typically include speakers representing various aspects of long-term care planning -- financial, legal and estate planning; caregiving; long-term care settings; Medicaid and more.  Watch our Events page for information about upcoming workshops.

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