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How to Pay for Long-Term Care After a Serious Injury

How to Pay for Long-Term Care After a Serious InjuryMost Americans will experience the need to pay for long-term medical care after a serious injury at some point in their lifetime. Read on for some helpful info.

Around 47% of men and 58% of women over the age of 65 are receiving long-term care. Although most people might think that long-term care is only for the elderly, there is an estimated 37% of patients that are under the age of 65 that get this type of care.

Depending on if the care is considered private or semi-private can also affect the cost, which is already quite high. In long-term care facilities, the cost can be broken down to between $255-$290 a day.

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With this in mind I put together this quick guide for how to pay for long-term medical care after a serious injury.

What Is Defined As Long-Term Care?

Long-term care is actually a phrase that includes a variety of services. They are all things that the patient is not able to do for themselves. These services are supposed to help the patient feel more independent in his or her own home, as this is where the majority of the care takes place. This may be on a temporary or a permanent basis for patients that have been hurt in an accident or have just had a gradual decline in health. Some injuries are so extreme however that the care may need to take place in a long-term care facility.

What Sort Of Injuries May Cause Long Term Care?

If after an injury that causes damage that is so extreme that it causes a drastic change in the function, then the patient might be eligible for long-term care. Some types of these injuries might include:

  •         A traumatic brain injury, otherwise known as a TBI.
  •         Spinal cord or other neck injuries.
  •         Broken bones
  •         Accidents that have caused mental illnesses.

These types of injuries require rehabilitation to relearn or build back usage of the injured body part. Treatment in these types of facilities is not meant to be permanent, unlike when the patient is of older age and has a decline in their abilities to care for themselves.

What To Do When Medical Costs Are More Than Expected

Medical costs after an accident are not just limited to nursing home facility care or at-home care during rehabilitation. Most patients might be surprised to find long-term care includes things like transportation to and from doctor’s visits, as well as maintenance around the home and yard. Though these are all things that might have to be taken care of, insurance may not cover all of these costs. This might be because the cares take longer than expected or may not be covered at all. If the victim of the accident does not want to be stuck paying out of pocket, he or she will have to consider suing the responsible party.

Long Term Care Can Cause Changes For Life

After an accident, an injury may be serious enough to cause a disability that changes the patient’s quality of life permanently. This may also cause the patient to lose out on work, or be left unable to work at all. That serious change can cause the patient to have to adjust the way they live their life and budget their funds. After a serious accident, the responsible party will not just be responsible for the initial medical costs but may have to pay for property damage and further damages.

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