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Long term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long term care insurance helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age. You may never need long-term care. This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care.

We have assembled some of the cheapest resources for Arizona long term care insurance insurance on this page. Long-term care insurance policy is not for everyone. For a limited population, long-term care insurance makes sense as an affordable and worthwhile form of insurance. Buying long-term coverage should not cause financial hardship and force you to forego other financial needs. Whether long-term care insurance is appropriate requires a full financial analysis. For many people it is not a good idea. Although the need for long-term care can arise gradually as a person ages and needs more and more assistance with activities of daily living, for most a stroke or a heart attack will be the precipitating need. Those with acute illnesses may need nursing-home care for a matter of months, while others may need care for years.

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Arzona Long Term Care Ombudsman Program
The Long Term Care Ombudsman Program grew out of efforts by both federal and state governments to respond to widely reported concerns that our most frail and vulnerable citizens, those living in long term care facilities, were subject to abuse, neglect, and substandard care. These residents also lacked the ability to exercise their rights, or voice complaints about their circumstances. The primary purpose of the Long Term Care Ombudsman Program is to identify, investigate, and resolve complaints made by, or on behalf of residents of long-term care facilities.

Other responsibilities of the program include:
Educating residents, families, facility staff and the community about long term care issues and services
Promoting and advocating for residents’ rights
Assisting residents in obtaining needed services
Working with and supporting family and resident councils
Empowering residents and families to advocate for themselves
The Ombudsman Program will make every reasonable effort to assist, advocate and intervene on behalf of the resident. When investigating complaints, the program will respect the resident and the complainant’s confidentiality and will focus complaint resolution on the resident’s wishes.
Local Long Term Care Ombudsmen receive specialized training and are designated by the State Long Term Care Ombudsman. They routinely visit long term care facilities to provide residents with easy access to Ombudsman services, provide advocacy and mediation services in long term care facilities and work to improve the quality of care and the quality of life of residents.

Source: https://www.azdes.gov/daas/ltco/