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LONG TERM CARE

LONG TERM CARE. The Aging of America Assisted Living - Nursing Homes. The Aging of America. ELDERLY AMERICANS ARE JUST ABOUT THE ONLY GROUP OF U.S. CITIZENS WHOSE HEALTH CARE IS UNIVERSALLY INSURED AS AN ENTITLEMENT. HOWEVER, ELDERS WHO NEED LONG-TERM CARE HAVE MUCH LESS PROTECTION.

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LONG TERM CARE

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  1. LONG TERM CARE The Aging of America Assisted Living - Nursing Homes

  2. The Aging of America

  3. ELDERLY AMERICANS ARE JUST ABOUT THE ONLY GROUP OF U.S. CITIZENS WHOSE HEALTH CARE IS UNIVERSALLY INSURED AS AN ENTITLEMENT.

  4. HOWEVER, ELDERS WHO NEED LONG-TERM CARE HAVE MUCH LESS PROTECTION.

  5. MEDICARE, THE FEDERAL PROGRAM FOR THE ELDERLY AND DISABLED, COVERS MANY OF THE COSTS OF ACUTE MEDICAL CARE BUT ONLY TANGENTIALLY COVERS SOME LONG CARE SERVICES.

  6. MEDICAID, THE FEDERAL/STATE HEALTH PROGRAM, COVERS LONG-TERM CARE BUT ONLY FOR PEOPLE WHO ARE POOR OR WHO BECOME POOR PAYING FOR LONG-TERM CARE OF MEDICAL CARE.

  7. MORE THAN TWELVE MILLION PEOPLE IN THE UNITED STATES, ABOUT HALF OVER AND HALF UNDER AGE 65, NEED SOME KIND OF LONG TERM CARE. ABOUT A THIRD OF THESE PEOPLE HAVE CARE NEEDS THAT ARE SUBSTANTIAL.

  8. SUPPORT FOR CARE FALLS LARGELY OUTSIDE MEDICARE’S SCOPE. MOST LONG-TERM CARE IS PROVIDED BY FAMILIES AND FRIENDS IN THE COMMUNITY.

  9. MEDICAID IS A DIFFERENT STORY. • 7% Medicaid Beneficiaries utilize 52% of all Medicaid spending.

  10. One half are elderly • One third are disabled and under age 65 • The rest are adults or children not classified as disabled

  11. PEOPLE WHO NEED LONG-TERM CARE OFTEN DO NOT GET THE CARE THEY NEED OR PREFER, AND FAMILIES’ CAREGIVING AND FINANCIAL BURDENS ARE OFTEN HEAVY.

  12. CHANGING DEMOGRAPHICS POSE A FURTHER CHALLENGE. CURRENT ESTIMATES SUGGEST THAT THE DEMAND FOR LONG-TERM CARE AMONG THE ELDERLY WILL MORE THAN DOUBLE IN THE NEXT THIRTY YEARS.

  13. AGING DEMOGRAPHICS

  14. Projection of U.S. Population, by age, 1995-2050

  15. GENERAL PROFILE: • CURRENTLY, THERE ARE 34 MILLION AMERICANS AGED 65 AND OVER, ALMOST 13% OF TOTAL POPULATION. • BY 2030, THIS NUMBER WILL GROW TO 69 MILLION WHICH WILL REPRESENT 20% OF THE POPULATION. • BY 2050, THERE WILL BE 80 MILLION AMERICANS 65 AND OLDER.

  16. GRAYING OF AMERICA

  17. THE ELDERLY POPULATION INCREASED 11-FOLD FROM 1900-1994. • THE NON-ELDERLY POPULATION INCREASED 3-FOLD. • FROM 1995 TO 2030 THE AMERICAN POPULATION WILL INCREASE BY 50%.

  18. IN THE SAME TIME PERIOD, THE 65+ AGE GROUP WILL INCREASE BY 135%. • PEOPLE OVER 85 WILL BE THE MOST LIKELY TO HAVE CHRONIC NEEDS. • THERE ARE CURRENTLY 3 MILLION AMERICANS OVER 85.

  19. THIS NUMBER IS EXPECTED TO REACH 8 MILLION BY 2030. • BY 2050 THE NUMBER OF AMERICANS OVER 85 IS EXPECTED TO BE 28 MILLION.

  20. SOME 75 MILLION AMERICANS WERE BORN IN THE YEARS 1946-1964. • FROM 2010 TO 2030 THE POPULATION OF ELDERLY AGED 65 TO 84 IS EXPECTED TO GROW 80%.

  21. THE POPULATION OVER AGED 85 WILL GROW 48%. • THE POPULATION UNDER AGE 65 WILL INCREASE ONLY 7%.

  22. WHERE DO OLDER AMERICANS LIVE?

  23. Living Arrangements of Older Men and Women

  24. IN 1995, 67% OF ALL OLDER NON-INSTITUTIONALIZED PERSONS LIVED IN A FAMILY SETTING. • IN 1995, ABOUT 9.9 MILLION AMERICANS LIVED ALONE. 70% OF THOSE WERE WOMEN.

  25. 21 MILLION AMERICAN HOUSEHOLDS WERE HEADED BY OLDER AMERICANS, USUALLY WOMEN (78%). • 78% OWNED THEIR HOMES AND 22% PAID RENT. • 1.6 ELDERLY AMERICANS LIVED IN NURSING HOMES.

  26. FINANCIAL STATUS • IN 2004, SOCIAL SECURITY WAS THE MAJOR SOURCE OF INCOME FOR 89% OF OLDER COUPLES AND INDIVIDUALS. • PROVIDED 40% OF TOTAL HOUSEHOLD INCOME.

  27. FOR 63%, SOCIAL SECURITY PROVIDED AT LEAST HALF OF HOUSEHOLD INCOME. • FOR 26%, SOCIAL SECURITY PROVIDED ALMOST ALL OF THE INCOME.

  28. FOR 14%, SOCIAL SECURITY WAS THE ONLY SOURCE OF INCOME. • IN 2006, MEDIAN INCOME WAS $21,784 FOR MEN AND $12,495 FOR WOMEN. MEDIAN INCOME FOR FAMILIES HEADED BY AN OLDER PERSON WAS $37,765.

  29. IN 1996, ABOUT 3.4 MILLION ELDERLY PERSONS WERE BELOW THE POVERTY LEVEL. • ANOTHER 2.4 MILLION WERE CONSIDERED NEAR-POOR.

  30. 9.4% OF ELDERLY WHITES WERE POOR. • 25.3% OF ELDERLY AFRICAN-AMERICANS WERE POOR. • 24.4% OF ELDERLY HISPANICS WERE POOR.

  31. OBSERVATION • THE OLDEST BABY BOOMERS ARE NOW IN THEIR SIXTIES, AND THE ABILITY OF OUR PUBLIC AND PRIVATE INCOME SECURITY AND HEALTH PROGRAMS TO MEET THEIR EVENTUAL RETIREMENT NEEDS IS DRAWING INCREASED ATTENTION.

  32. WASHINGTON — The baby boomers' stampede for Social Security benefits has begun.

  33. The nation's "first" baby boomer, a retired teacher from New Jersey, applied for Social Security benefits Monday, signaling the start of an expected avalanche of applications from the post-World War II generation. • Social Security Commissioner Michael Astrue called it "America's silver tsunami."

  34. An estimated 10,000 people a day will become eligible for Social Security benefits over the next two decades. • The Social Security trust fund, if left alone, is projected to go broke in 2041.

  35. THE COMING DECADES ARE LIKELY TO SEE A SIGNIFICANT INCREASE IN THE DEMAND FOR LONG TERM CARE SERVICES, PARTICULARLY AT THE FIRST BOOMERS REACH 85 IN 2030!

  36. WHO NEEDS LONG-TERM CARE? • DEFINITION: • LONG-TERM CARE REFERS TO A BROAD SET OF PAID AND UNPAID SERVICES FOR PERSONS WHO NEED ASSISTANCE BECAUSE OF A CHRONIC ILLNESS OR PHYSICAL OR MENTAL DISABILITY.

  37. ADL – PERSONAL ASSISTANCE WITH THE ACTIVITIES OF DAILY LIVING. • EATING, BATHING, DRESSING, GETTING INTO AND OUT OF BED OR CHAIR, AND USING THE TOILET.

  38. IADL - INSTRUMENTAL ACTIVITIES OF DAILY LIVING. • ADDITIONAL ACTIVITIES NECESSARY FOR INDEPENDENCE SUCH AS PREPARING MEALS, MANAGING MEDICATIONS, AND SHOPPING FOR GROCERIES.

  39. ASSISTED LIVING • THE AMERICAN ASSOCIATION OF HOMES AND SERVICES FOR THE AGING DEFINES ASSISTED LIVING AS A PROGRAM THAT PROVIDES AND/OR ARRANGES FOR THE PROVISION OF DAILY MEALS, PERSONAL AND OTHER SUPPORTIVE SERVICES, HEALTH CARE AND 24-HOUR OVERSIGHT TO PERSONS RESIDING IN A GROUP RESIDENTIAL FACILITY WHO NEED ASSISTANCE WITH ACTIVITIES OF DAILY LIVING.

  40. MORE THAN ONE MILLION SENIORS LIVE IN ASSISTED LIVING RESIDENCES. • ASSISTED LIVING RESIDENCES MOSTLY SERVE RESIDENTS WHO ARE IN THEIR MID-EIGHTIES AND REQUIRE ASSISTANCE WITH THREE ACTIVITIES OF DAILY LIVING…DRESSING, EATING, OR BATHING.

  41. THE “RESIDENT” IS AN 83 YEAR-OLD WOMAN WHO IS WIDOWED OR SINGLE.

  42. TYPES OF SERVICES • PROVISION OF MEALS, HOUSEKEEPING, MEDICATION ASSISTANCE, INCONTINENCE CARE, AND LIMITED NURSING SERVICES.

  43. THE INDUSTRY • IN 1998 THERE ARE CLOSE TO 11,800 ASSISTED LIVING FACILITIES IN THE UNITED STATES. • THE ASSISTED LIVING INDUSTRY IS THE FASTEST GROWING SEGMENT OF THE SENIOR HOUSING INDUSTRY.

  44. OF ALL NEW SENIOR HOUSING, 75% IS DEVOTED TO ASSISTED LIVING FACILITIES.

  45. THE VALUES OF ASSISTED LIVING • ALLOWS INDIVIDUALS TO REMAIN AS INDEPENDENT AS THEY PREFER AND STILL RECEIVE NECESSARY SERVICES. • SENIORS ARE ABLE TO AGE WITH MORE DIGNITY.

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