Under the Facility Need Review rule: " The LTC-2 is issued by the Department in the fourth month following the end of each calandar quarter." For convenience to the public, Health Standards updates all of the other reports at that time as well.

Long-term care is the kind of help you need if you are unable to care for yourself because of a prolonged illness or disability. It can range from help with daily activities at home, such as bathing and dressing, to skilled nursing care in a nursing home. Not everyone should buy a long-term care insurance policy. For some, a long-term care policy is an affordable and attractive form of insurance. For others, the cost is too great and the benefits they can afford are insufficient.

Yes, premiums for all long-term care insurance policies may be increased. However, if premiums are based on issue age, they may only increase if premiums are increased for all individuals insured under the same type of policy. If premiums are based on attained age, premiums will increase as you age.

Companies selling long-term care insurance underwrite their coverage. That means they look at your current health status and health history and issue a policy only if you meet the guidelines established by the company. Some companies ask only a few questions about your health. Others may ask for more detail, examine your current medical records or ask for a health statement from your doctor. Answer all questions as truthfully and thoroughly as possible.

Clinical trials often contain technical medical language, not used in everyday conversation. Many trials therefore require that the patient be fluent in English. Some trials will also be conducted in a second language. If you do not speak English fluently, it still may be possible to participate in the study if you have a friend or a family member who is readily available to act as a translator between you and your health care providers. You should discuss this possibility with your doctor.

When an individual enters a nursing home or adult care home, he or she is guaranteed certain fundamental rights. Under North Carolina State Law these rights are found in the Nursing Home Residents' Bill of Rights and the Adult Care Home Residents' Bill of Rights. A copy of these rights should be posted within the facility. Any representative of the Ombudsman Program can help you understand these rights.

The Reports on Long-Term Care Homes website is a searchable database of all LTC homes in Ontario with information about each one. You can find LTC homes within a desired area and see a list of features in a home, like the home's accreditation status. In addition, inspection findings and verified complaints for each LTC home for the period of January 1, 2005 to December 31, 2005 are compared with a provincial average.

Yes. The government will provide regular updates and expand the information provided in the Reports on Long-Term Care Homes in the near future. Future stages will also include :

The Reports on Long-Term Care (LTC) Homes website is designed to provide information about the more than 600 homes in the LTC system. This website is provided by the Ministry of Health and Long-Term Care (MOHLTC) and contains information collected on all LTC homes. You can print the information by clicking on "print" at the top right hand corner of the page.

The Canadian Council on Health Services Accreditation (CCHSA) provided accreditation information. LTC homes voluntarily apply to be accredited through the CCHSA. Accreditation determines the extent to which the home is meeting CCHSA's national standards for care delivery and operations and is used by a home and other organizations to better the quality of their services.

No. There are sections in the Reports on Long-Term Care Homes that have different reporting periods. The section on Home Profile uses the most up-to-date information available as provided by each long-term care (LTC) home operator. The Inspection Findings and Verified Complaints includes information collected over the specified reporting time period of January 1, 2005 to December 31, 20054 and is not up to date.

The information provided in the first stage of the Reports on Long-Term Care Homes was developed by the Ministry of Health and Long-Term Care with the advice and cooperation of sector partners : Representatives from the Ontario Association of Non-Profit Homes and Services for Seniors (OANHSS), Ontario Long-Term Care Association (OTLCA), Concerned Friends of Ontario Citizens in Care Facilities (Concerned Friends), Ontario Association of Residents' Councils (OARC).

You can contact the Ministry's Long-Term Care ActionLine toll-free line at 1-866-434-0144 to request the translation of a LTC home's information in the Reports on Long-Term Care Homes.

No. The Ministry of Health and Long-Term Care is providing the public with access to information about the performance of each LTC home operator in meeting Ministry legislation, regulations and standards as outlined in the Long-Term Care Home Program Manual, for a specified period of time. The performance of a home operator is measured against its ability to meet the standards and policies of the Ministry during inspections.

No, your policy is guaranteed renewable for life. The policy may terminate only when you cease paying your insurance premiums or if you use the maximum amount of benefits available under the policy.

Preexisting conditions must be covered by long-term care insurance policies. However, insurance companies may have a preexisting condition waiting period of up to six months. After your policy is in effect for six months, it will pay for covered benefits.

Alzheimer's disease and other dementias are required to be covered by long-term care policies. However, if you have Alzheimer's or other dementia at the time you apply for coverage, the insurance company is not required to accept your application or to issue coverage.

Long Term Acute Care is defined as hospital care that is provided to patients that meet acute care criteria. Their hospitalization generally requires greater than 25 days.

Long term care is not one service, but a variety of services available to individuals who are unable to care for themselves due to an illness, accident or disability. The services are provided in a setting other than the acute care section of a hospital. Some common reasons why long term care services may be needed include: car accidents, sporting accidents, stroke, the aging process, Alzheimer’s or Multiple Sclerosis.

Yes, all plan sponsors must contract with any willing long-term care provider to provide prescription drugs to Medicare beneficiaries residing in long-term care facilities. Plan sponsors will be required to network with LTC pharmacies separately from regular network contracting.

The compliance report(s) posted in each long-term care home is/are a summary of one particular inspection conducted by Ministry inspectors. The Reports on Long-Term Care Homes website provides information from inspection findings issued over a specified reporting time period, and may contain findings from a number of inspections conducted by Ministry inspectors within that time period.

Our support group meets six times per month and has had weekly topics, guest speakers, and healthy cooking classes. We have a dedicated regsitered nurse, program coordinator who can answer questions, or refer you to the doctors. She is an expert because she has had RNY herself! The physicians will personally work with you on your nutrtition, and our personal trainer also meets with you to discuss your nutritional regimen. In January, our new, 6000 sq. ft. office is expected to open.

Most medical plans are designed to cover acute or skilled care, but rarely if ever, cover custodial care. Many people discover this when they are faced with an actual long-term care situation. No. Disability insurance is designed to replace a portion of income when a person can no longer work due to a disabling condition.

Mental health and substance abuse coverage will no longer be provided through any of Lubrizol's health plans (except BCBS of Michigan and the CDHP). For all others, mental health and substance abuse treatment will be provided through a national network of over 7,600 inpatient and outpatient network providers across the nation.

Planning ahead is one of the best ways to ease the stress that accompanies choosing a nursing home. Unfortunately, such decisions are often thrust upon us in times of crisis. Nevertheless, there are several steps you should always consider before selecting a nursing home. To begin with, you must determine what services are needed. There are many care and service options aside from the more intensive nursing home care.

Simply put...honesty, integrity, and appreciation. Long Term Care Insurance quotes can be difficult to read and understand. We try our best to provide you with as much information in a format that is easy to understand at your own pace. We provide as much Long Term Care Insurance information as possible. Take your time to understand what you are purchasing, and don't make the mistake of simply shopping rates!

Most of our online competitors are lead generating services for insurance agents. In contrast, we are Long Term Care Insurance agents who handle your case from beginning to end. Your information is not being sold to any insurance agents, or other companies. We are here to sell you Long Term Care Insurance and we are here to service you until you need your coverage. Long Term Care Insurance is our product of choice, and by specializing in this one area, we have become quite good at what we do.

Long-term care is care provided to persons with long term diseases or disabilities, and includes health and social services, rehabilitative, skilled nursing, and other supportive care or supervision provided over an extended period of time. The goal of long-term care is to help people with disabilities be as independent as possible.

Long Term Care is the assistance individuals need when they are unable to care for themselves. They need help with Activities of Daily Living (ADLs) such as bathing, dressing, transferring, toileting and eating. And, they may have cognitive impairment. The cost of long term care, even if provided at home, is high. And, most group medical plans and HMOs don't cover long term care expenses. One solution is the purchase of Long Term Care insurance.