November is National Long-Term Care Awareness Month, and it’s the perfect time to start the conversation about future care needs — for yourself or a loved one.
Many families are surprised to learn that long-term care isn’t just for nursing homes (Skilled Nursing Facilities, which we have at Sholom) — and that planning ahead can save significant stress, time, and financial uncertainty later on. Unfortunately, misinformation often prevents people from exploring their options early. Long-Term Care encompasses a range of care options, including: Assisted Living, Memory Care, Skilled Nursing, and more. Planning ahead for long-term care in Minnesota can make all the difference.
At Sholom, we believe knowledge is empowering. That’s why we’re addressing the Top 5 Myths of Long-Term Care and sharing answers to frequently asked questions that can help you make informed, confident decisions about the future. Families across the Twin Cities rely on our organization for compassionate, personalized senior care as well as being a guide to navigating senior living options and resources. Sholom offers trusted a variety of long-term care options in St. Louis Park and St. Paul.
And if you already have Long-Term Care Insurance and are considering making Sholom your next home, we’ll pay for a social worker consultation to help you navigate your policy and get your benefits activated — just mention this blog post when you reach out.
Section 1: Myth #1 — “Long-term care only means nursing homes.”
The reality: Long-term care includes a wide range of options — from independent and assisted living to memory care, rehabilitation, and home-based services. At Sholom, we offer flexible levels of support that evolve with your needs, so you can maintain independence while receiving the right level of care.
Section 2: Myth #2 — “I’ll never need long-term care.”
The reality: Nearly 70% of adults over age 65 will need some form of long-term care during their lifetime (source: U.S. Department of Health and Human Services). Planning now ensures your preferences are honored and helps protect your assets.
Section 3: Myth #3 — “Medicare will cover my long-term care.”
The reality: Medicare covers short-term skilled nursing or rehabilitation after a hospital stay — not ongoing custodial or personal care. Understanding what’s covered (and what’s not) helps you plan realistically and avoid costly surprises.
Section 4: Myth #4 — “Long-term care is unaffordable.”
The reality: While care can be costly, Long-Term Care Insurance, veterans benefits, and state assistance programs can help offset expenses. At Sholom, we assist families in exploring every available funding option to make care accessible and sustainable.
Section 5: Myth #5 — “It’s too early to start planning.”
The reality: The best time to plan for long-term care is before you need it. Early planning means more choices, better financial preparedness, and greater peace of mind for you and your family.
FAQs: Planning for Long-Term Care
Q: How do I know which level of care I or my loved one might need?
A: Start with an assessment from a care professional. Sholom’s team can help guide you based on your health, daily activities, and personal goals.
Q: What services are available at Sholom?
A: We provide a full continuum of care — independent living, assisted living, memory care, skilled nursing, rehabilitation, hospice, and home-based services — all within a supportive, faith-rooted community.
Q: How can I use my Long-Term Care Insurance at Sholom?
A: Each policy is unique, which is why we offer a free consultation with a social worker to help you review benefits, coordinate approvals, and activate coverage.
Call to Action:
Planning for long-term care doesn’t have to be overwhelming — and you don’t have to do it alone.
📞 Contact us today at 952.939.1554 or [email protected] to learn how Sholom can help you explore your options with clarity and compassion.
And if you already have Long-Term Care Insurance, mention this blog post — and we’ll cover the cost of a social worker consultation to help you make the most of your plan.
