To speak with a licensed agent, call (714) 391-2090 (TTY 711 M-SU, 8am-8pm) or email

Understanding Your Long-Term Care Options

Posted by Steve Nakamoto
Estimated Reading Time 1 minute 49 seconds

Understanding Your Long-Term Care Options

Understanding long-term care options is essential in the event that you might one day require assistance with daily activities. Long-term care refers to a range of services designed to help individuals with chronic illnesses, disabilities, or cognitive impairments maintain their quality of life and independence. Selecting the right options can help you or your loved one live a more fulfilling life, and preparing for this possibility can help safeguard your retirement budget.

Home Care.  Many people prefer to receive care in the comfort of their own homes. Home care services can include assistance with activities of daily living (ADLs) such as bathing, dressing, and meal preparation. Additionally, home health aides can provide medical services such as medication management and wound care.

Adult Day Care. Adult daycare centers offer supervised activities and socialization opportunities for seniors during the day, allowing family caregivers to work or take a break from their caregiving responsibilities. This option is often combined with in-home care, allowing for the most freedom while remaining in a comfortable setting.

Assisted Living Facilities.  Assisted living facilities offer a supportive living environment for those who need some assistance with daily tasks but do not require around-the-clock medical care. Residents typically have their own apartments or rooms and receive help with tasks such as medication management, housekeeping, and meal preparation. At some facilities, residents continue to drive or use public transportation and come and go as they please.

Nursing Homes.  Nursing homes provide 24-hour skilled nursing care for individuals who require more extensive assistance with medical needs and activities of daily living. Residents may have complex medical conditions or mobility issues that require ongoing supervision and care from licensed healthcare professionals.

Memory Care Units. Memory care units are specialized facilities designed to meet the needs of individuals with Alzheimer’s disease or other forms of dementia. These units offer a secure environment with staff trained in dementia care techniques to ensure the safety and well-being of residents.

Hospice Care. Hospice care is available for individuals with terminal illnesses who are nearing the end of life. Hospice services focus on providing comfort and support to patients and their families, with an emphasis on pain management and emotional support.

Understanding these long-term care options can help you make informed decisions about the best course of action for you or your loved ones. Because these decisions do impact your long-term financial plan, it is best to explore them before retirement when possible. Talk to one of our licensed insurance agents about long-term care insurance or your financial professional about the best way to prepare for possible expenses later in life.

Steve Nakamoto
Steve Nakamoto //

I am a local, licensed and trained independent insurance agent. I am certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. I represent most major companies with a Medicare contract and am qualified to answer any questions you may have.

Get Free Medicare Assistance

Friendly, licensed professionals are available to answer all of your questions. Call (714) 391-2090 or complete the form below and we’d be happy to reach out to you.

      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Close Accessibility Tools
      Accessibility Controls Reset
      Content Adjustments
      Font Size


      Line Height


      Content Scaling


      Highlight Titles
      Highlight Links
      Highlight Forms
      Align Left
      Align Center
      Align Right
      Focus Mode
      Color Adjustments




      Accessibility Statement

      Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

      We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

      If you wish to contact this website's owner, please use the contact form on the website.

      Our User Interface Adjustment Options

      Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

      Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

      Content highlighting - Users can prioritize key elements such as links, forms, and titles.

      Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.