Health Benefits

Long-Term Care Insurance Helps with Caring for Family Members with Dementia

A pair of hands holding another

Family members are often the primary caregivers for loved ones with Alzheimer’s disease or other forms of dementia. And in most cases, caring for a family member can be stressful on the caregiver. But there is help — long-term care insurance provides services to help relieve the stress of being a caregiver.

Early Onset Dementia

Early onset dementia affects people under the age of 65. At the time of the onset of symptoms and diagnosis, many of these people are still employed, or may have younger children or adult children with young families. Often, family caregivers must quit their jobs or cut back on hours, which might impact household income and their own health. But for those with long-term care insurance, benefits are available for formal, paid assistance from professional caregivers.

Dementia with Behavioral Disturbances

Challenging behaviors are associated with all types of dementia. However, these behaviors are more prevalent with certain types and may become problematic before the person experiences significant memory loss. People with dementia may become paranoid, or aggressive and abusive. Dementia-related behaviors put unique stress on a family caregiver, who may be the primary “target” of the paranoia or aggression.

Physicians may prescribe medication to help ease the aggressive symptoms, but regular, dependable help for the family caregivers can be critical to maintaining the physical and emotional health of the family—and prolong the period that care can be provided at home. Once again, long-term care insurance can be a great relief, providing benefits for home care professionals and facilities.

Learn More About CalPERS Long-Term Care

The CalPERS Long-Term Care Program has many coverage options for not just the elderly, but for people of all ages who may experience injuries or certain health conditions during their lifetime. More information can be found on the CalPERS Long-Term Care Program website or call (800) 908-9119.