Top Ten Long-Term Care Tips To Know
The National Institute on Aging (NIA): Why It Matters More Than Ever
The National Institute on Aging (NIA) is one of the 27 institutes and centers that make up the National Institutes of Health (NIH) — the nation’s leading federal agency for medical research. As part of the NIH, the NIA plays a central role in understanding aging, improving the health of older adults, and guiding the science behind long‑term care.
The presence of an elderly man in a wheelchair in a room serves as a poignant reminder of the critical importance of extended care. This powerful image underscores the need for ongoing support and assistance for those who can no longer fully care for themselves.
In recent years, shifts in federal funding and national priorities have made the NIA’s work even more essential. With the aging population growing rapidly, the NIA’s research helps families, caregivers, and healthcare providers navigate the realities of aging with clarity and confidence
What the NIA Does
The NIA’s mission is simple but powerful:
Understand how aging works
Extend healthy, independent years of life
Prevent or delay age‑related diseases
Improve long‑term care and caregiving systems
To achieve this, the NIA funds and conducts research on:
Alzheimer’s disease and related dementias
Chronic illnesses common in older adults
Mobility, falls, and physical function
Nutrition, exercise, and lifestyle factors
Social and behavioral aspects of aging
Long‑term care, caregiving, and independence
This research directly shapes the guidance older adults rely on today.
Why the NIA’s Work Is Critical for Long‑Term Care
Long‑term care is one of the most complex and expensive parts of aging. The NIA provides evidence‑based insights that help families understand:
When long‑term care may be needed
What types of care exist
How to plan financially
How to maintain independence longer
How to support caregivers
How to prevent avoidable decline
Their research influences everything from fall‑prevention programs to dementia‑care guidelines to caregiver support strategies.
Long‑Term Care: What It Really Means
Long‑term care refers to ongoing support for people who need help with daily activities or medical needs over an extended period. This includes:
Daily Living Support (ADLs)
Bathing
Dressing
Eating
Toileting
Mobility
Medical and Nursing Support
Medication management
Chronic disease monitoring
Wound care
Rehabilitation Services
Physical therapy
Occupational therapy
Speech therapy
Social and Emotional Support
Companionship
Counseling
Stress management
Long‑term care can be provided:
At home
In the community
In assisted living
In nursing homes
The goal is always the same: support independence, dignity, and safety.
The High Cost of Long‑Term Care — And Why Planning Matters
The NIA emphasizes early planning because long‑term care is expensive and often misunderstood.
Key Funding Options
Medicare – Covers only limited, short‑term skilled care
Medicaid – Covers long‑term care for those who meet income requirements
Long‑term care insurance – Helps offset costs if purchased early
Personal savings – Often used when no other coverage exists
Understanding these options early prevents financial strain later.
How the NIH Supports Healthy Aging
The NIH — through the NIA — helps older adults stay healthy and independent by:
Funding research on age‑related diseases
Developing prevention and treatment strategies
Providing public education on healthy aging
Supporting caregiver resources
Offering guidance on exercise, nutrition, and chronic disease management
Their work empowers older adults to take control of their health and maintain independence longer.
Top Ten Long‑Term Care Tips to Know (Based on NIA Guidance)
Senior‑friendly, evidence‑based, and grounded in National Institute on Aging (NIA) recommendations.
Key Points
Long‑term care planning is most effective when started early — ideally before health needs arise.
The NIA emphasizes prevention, independence, and informed decision‑making as the foundation of healthy aging.
These ten tips help older adults, caregivers, and families prepare for future care needs with confidence.
1. Start Planning for Long‑Term Care Early
The NIA consistently stresses that early planning reduces stress, cost, and crisis‑driven decisions.
Waiting until a health emergency occurs limits your options.
What to do:
Begin discussing preferences with family
Review financial resources
Explore long‑term care insurance before age‑related conditions develop
Why it matters:
Early planning preserves independence and ensures your wishes are honored.
2. Understand the Different Types of Long‑Term Care
Long‑term care isn’t just nursing homes. The NIA highlights a continuum of care options, including:
Home‑based care
Adult day programs
Assisted living
Memory care
Skilled nursing facilities
Tip: Match the level of care to the level of need — not the other way around.
3. Know the Activities of Daily Living (ADLs)
ADLs are the backbone of long‑term care assessment.
They include:
Bathing
Dressing
Eating
Toileting
Transferring
Mobility
Why this matters:
Eligibility for Medicaid, long‑term care insurance, and certain services is often based on ADL limitations.
4. Prioritize Home Safety and Fall Prevention
The NIA identifies falls as one of the leading causes of injury and loss of independence in older adults.
Practical steps:
Install grab bars
Improve lighting
Remove tripping hazards
Review medications that affect balance
Outcome:
A safer home delays or prevents the need for higher‑level care.
5. Maintain Physical Activity and Mobility
NIA research shows that regular movement is one of the strongest predictors of long‑term independence
.
Recommended activities:
Walking
Strength training
Balance exercises
Stretching
Benefits:
Improved mobility, reduced fall risk, better mood, and slower functional decline.
6. Support Brain Health and Cognitive Function
The NIA leads national research on Alzheimer’s disease and related dementias.
Their guidance emphasizes:
Managing cardiovascular health
Staying socially connected
Engaging in mentally stimulating activities
Treating hearing loss early
Why it matters:
Cognitive decline is one of the most common reasons older adults require long‑term care.
7. Build a Strong Caregiving Network
Caregiving is rarely a one‑person job.
The NIA encourages families to share responsibilities and seek support early.
Your caregiving network may include:
Family
Friends
Neighbors
Home‑care aides
Community programs
Faith‑based organizations
Tip: Create a written care plan so everyone knows their role.
8. Understand the Costs — and How to Pay for Them
Long‑term care is expensive, and the NIA stresses the importance of financial preparedness.
Know the basics:
Medicare covers only limited, short‑term skilled care
Medicaid covers long‑term care for those who qualify
Long‑term care insurance helps offset costs
Veterans may qualify for additional benefits
Personal savings often fill the gaps
Action step:
Review your financial plan annually.
9. Use Preventive Care to Delay or Reduce Care Needs
NIA research shows that preventive care is one of the most effective tools for maintaining independence.
This includes:
Managing chronic conditions
Staying physically active
Eating a balanced diet
Staying socially engaged
Keeping up with medical appointments
Outcome:
Better health = less need for long‑term care.
10. Communicate Your Wishes Clearly and Document Them
The NIA emphasizes the importance of advance care planning.
This includes:
Advance directives
Healthcare proxies
Living wills
POLST forms (where available)
Documenting long‑term care preferences
Why it matters:
Clear documentation prevents confusion, reduces family stress, and ensures your values guide your care.
Section‑Level Key Points (Summary)
Long‑term care planning is a proactive process, not a reaction to crisis.
The NIA provides evidence‑based guidance that helps older adults stay independent longer.
Understanding care options, costs, and preventive strategies empowers better decision‑making.
Caregiving works best when shared, supported, and planned.
Documenting your wishes ensures your care aligns with your values.
Decision Tree: Choosing the Right Type of Long‑Term Care
1. Do you need help with daily activities (ADLs)?
Yes: Consider home‑care aides, assisted living, or nursing home care depending on severity.
No: Continue to Step 2.
2. Do you have a chronic medical condition that requires regular monitoring?
Yes: Skilled home health care or a skilled nursing facility may be appropriate.
No: Continue to Step 3.
3. Is memory loss or cognitive decline affecting safety or independence?
Yes: Memory care or a dementia‑trained home‑care team is recommended.
No: Continue to Step 4.
4. Do you prefer to remain at home as long as possible?
Yes: Home‑based services, adult day programs, and home modifications can support independence.
No: Continue to Step 5.
5. Do you need 24‑hour supervision or medical care?
Yes: A nursing home or skilled nursing facility may be required.
No: Assisted living or community‑based services may be sufficient.
6. Are you a caregiver needing daytime support?
Yes: Adult day health programs offer structured care, socialization, and respite.
No: Continue to Step 7.
7. Do you need short‑term recovery after illness or surgery?
Yes: Short‑term rehabilitation or skilled nursing care is appropriate.
No: Continue to Step 8.
8. Do you need emotional, social, or companionship support?
Yes: Companion care, senior centers, and community programs can help.
No: Continue to Step 9.
9. Are you concerned about safety living alone?
Yes: Assisted living or home‑care support may be appropriate.
No: Continue to Step 10.
10. Do you want predictable monthly costs?
Yes: Assisted living or continuing care retirement communities (CCRCs) offer structured pricing.
No: Home‑based care may offer more flexibility.
Long‑Term Care FAQs (Based on NIA Guidance)
What is long‑term care?
Long‑term care includes medical and non‑medical support for people who need help with daily activities or chronic health conditions over an extended period.
When should I start planning for long‑term care?
The NIA recommends planning early—ideally before health needs arise—to reduce stress and ensure more options.
Does Medicare pay for long‑term care?
Medicare covers only short‑term skilled care. It does not cover custodial long‑term care, which is the most common type of support older adults need.
What are the main types of long‑term care?
Home‑based care, adult day programs, assisted living, memory care, and nursing homes are the primary types of long‑term care.
How can I pay for long‑term care?
Options include Medicaid, long‑term care insurance, veterans benefits, and personal savings.
How do I know which type of care is right for me?
Consider your health needs, safety, independence, finances, and support network. The decision tree above can help guide your choice.