ALFs may not be for everyone who needs long-term care. They are primarily designed only to care for the slightly to moderately impaired. If a person is seriously impaired, a nursing home is often the best choice. On the other hand, some people who need long-term care can receive assistance at home, from professional home care personnel. How do you know which type of care is best for you or a loved one? Most long-term care policies today provide a care coordinator to assist you in making the right decision regarding the type and place of care best suited to your needs. Again, check your policy or ask your agent if your policy pays for a care coordinator. Knowing what your policy provides can be the first step to determining what is the best course of action for you or a loved one.
