What is Long Term Care?
Long term care is needed when a person becomes ill or suffers a disability that makes them unable to carry out their activities of daily living, with the probability that this disability will continue over the long term. More often than not, it is the elderly who require care over the longer term and it is typically occasioned by either increasing frailty due to ageing or the chronic aftermath of acute conditions such as a stroke or a fall.
Long Term Care can also be required if a person is mentally impaired. The most common form of impairment for elderly people is dementia, and a common form of dementia is Alzheimer's Disease. A person suffering from dementia will need personal supervision and assistance to carry out normal daily activities.
The care required can take many forms, from simple domestic assistance to medical interventions and may be provided in a care home or in the person's own home.
The long term nature of the care needed, and the fact the person is unlikely to recover (they have a chronic condition), is what distinguishes this situation from the conditions covered by Private Medical Insurance - which covers acute medical conditions (i.e. conditions from which a recovery is expected).
Many people would have hoped the National Health Service would look after them. They might have paid National Insurance contributions and taxes all their working lives, and recall the original intention of the Welfare State to care for people 'from cradle to grave'. But the NHS no longer covers all the costs associated with the care of incurable conditions in old age.
Since the Community Care Act, which was passed in 1990, took effect in 1993, that task has been transferred to Local Authorities. The NHS will only provide and/or pay for the Nursing Care Service Component of a person's long term care service needs. All other costs and services associated with long term care are the care recipient's responsibility unless they qualify for Local Authority assistance. Although in Scotland from July 2002 Free Personal Care has been available.
Please note that long term care insurance products cannot be purchased through this site. Lifetime Care Products are only available via financial advisers.
The address for written communication is AXA, PO Box 1810, Bristol BS99 5SN.
AXA Sun Life plc is the provider of the Lifetime Care range of plans. Head Office: PO Box 1810, Bristol BS99 5SN. Tel 0845 30 30 430. Facsimile 0117 989 0202. Minicom 0845 603 0803. Website www.lifetimecare.co.uk AXA is a worldwide insurance group. In the UK one of the companies is AXA Sun Life plc. Authorised and regulated by the Financial Services Authority. (www.fsa.gov.uk/register). AXA Sun Life plc is a company limited by shares, registered in England No 3291349. Registered office: 5, Old Broad Street, London EC2N 1AD. As part of our commitment to quality service, telephone calls may be recorded
The information contained within this website is intended for UK residents only.