Types of Long-Term Care

Homemaker Services and Home Health Aides

This service provides care that allows people to live in their own homes or to return to their homes by helping complete household tasks they can't manage alone. Homemaker services aides may clean houses, cook meals or run errands. Often referred to as "Personal Care Assistants" or "Companions."

Personal and home health aides provide "hands-on" personal care, but not medical care, in the home with activities such as bathing, dressing and transferring. This service provides assistance to those who are elderly, disabled or too ill to live in their own homes or in residential care facilities instead of in nursing homes. Home health aides may offer care to people who need more extensive personal care than family or friends are able to, or have the time or resources to provide.

Adult Day Health Care (ADH)

Adult Day Health Care centers can offer a much-needed break to caregivers. This type of care provides service at a community-based center for adults in a protective setting who need assistance or supervision during the day but who do not need around-the-clock care. Some programs also may provide personal care, transportation, medication management, health-related services, inter-generational programming, social services, meals, personal assistance and therapeutic activities.

Assisted Living Facilities (ALF)

Assisted living facilities are living arrangements that provide "hands-on" personal care and health services for people who may need assistance with ADLs, but who wish to live as independently as possible and who do not need the level of care provided by a nursing home. It's important to note that assisted living is not an alternative to a nursing home, but an intermediate level of long-term care.

Nursing Home Care

Nursing homes are for those people who may need a higher level of supervision and care than in an assisted living facility. They offer residents personal care, room and board, supervision, medication, therapies and rehabilitation, as well as skilled nursing care 24 hours a day.


I’m Meredith Pensack and since 2003 I’ve helped well over a thousand people protect their retirement portfolio as well as their families. I specialize in LTC insurance solutions, including hybrid options that combine either life insurance or an annuity. This is my passion and I look forward to helping you, too.