Long-Term Care

Extended Care (Long-Term Care) is not a place or a condition. It is a life-changing event.

Extended care is assistance that a person needs because her or she has a long-term impairment. There are two types of impairments to consider in healthcare and extended care planning: Acute & Chronic

  • Acute Impairment is a sudden event that requires immediate medical attention. If treated in time, the individual could make a full recover
  • The physical Chronic Impairment, is a condition that cannot be cured or "fixed", but it can be managed. As physical impairments progress, it can compromise the person's ability to get through the most basic of daily routines called Activities of Daily Living(ADL's)

ADL's are listed in a specific order, that mostly corresponds to the order they are normally done when a person starts each day: In the morning you are lying in bed and need to sit up, stand and get into a chair (Transferring).

The next action is going to the bathroom (Toileting), followed by getting in the tub or shower without help (Bathing). Next, you put clothes on (Dressing), and then you go to the kitchen to get nourishment by getting food to your mouth without choking (Eating). Lastly, the ability to control bowel and bladder function is (Continence). 

  • A Cognitive Impairment is the deterioration or loss of memory. 


Extended care typically causes two irreversible consequences:

  1. Personal: Providing care seriously impacts the emotional and physical wellbeing of the caregiver.
  2. Financial: Paying for care disrupts every plan to secure your future financial viability. 


Cost of Care

 The cost of care varies, depending on where care is provided, and the level of care needed. However, the chart below provides the average cost in Washington state for care in a variety of settings. As you can see, the cost of care can present a considerable challenge if you are living on a fixed retirement income.



Click to Learn More >>>>  How do I pay for Long Term Care?