A sitter can be needed round-the-clock for a frail senior. “Live-in help” refers to a sitter (one person) who lives full-time with an older person. Most often, agencies (see Home Health Care and Personal Support Services Agencies) provide 24-hour care and refers to people who work in shifts.
Not all agencies use the same terminology used here; know what kind of care you want, and ask specific questions when seeking round-the-clock sitters. This service is not covered by Medicare, Medicaid, TennCare, or private insurance.
Some long-term care insurance will cover patients who have a medical diagnosis that requires live-in help.