Long term care is basically various services provided to meet health or individual care needs over a long period of time.
There are certain risks associated with long term care which can broadly be classified into financial risk and emotional risk.
Below mentioned are three fictional indidents that depict the risk area in long term care.
Incident 1: Emotional Risk – Mental illness
A boy name Chris at the age of 25 fell from a 2 storey building and got a head injury. Due to exccessive blood clot, is diagonized with mental illness. Under the influence of this illness, he has become mentally unstable has developed various symptoms like memory loss, excessive anger, mathematically weak etc.
So, due to the frustration, Chris hesitates to go out and meet people. He also doesn’t behave well with his family and friends. Being indoor always confined to his room has made him emotinally weak. Thus, he needs a personal care that would help to boost his emotional morale in the lon term basis and ket him live a happy life again. This therapy could also help him to cure the mental illness to an extend.
Incident 2: Financial Risk – Widow at early age:
Reeta, a 32 years old housewide lost her husband in a car accident in New york. She lives in a sub urban area with a 1 year old and a 6 year old children. She is currently unemployed as she is a housewife and thus the source of income is negligible compared to the expenses her family has. Younger child is just 1 year thus a lot of expenses are towards medical bills. The other child is in nursery and the education bills are also high. Apart from these major expenses, a lot of household expenses are on the list.
This is a typical case of financial risk. Thus, this family need a long term care in terms of financial help to get rid of the future risks that may arise when the expenses are set to increase more.
Incident 3: Emotinal & Financial Risk – A Billionaire wealth reduced to few thousands
Jacob is a 70 years old man who recently lost all his wealth in a cryptocurrency bubble burst. He use to live a luxurious life since past 25 years is now left with just few thousands to spare. He lives with his wife with no child. Thus, there is nobody to care care of his health and financial needs. He has become both emotional and financial weak after the sudden shock he got from the wealth eroded. Thus he needs both emotional support and financial support to help him live happily again. He mihgt also need personal services as he is a little older in age in the long term.
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