There are times when we need more than just a helping hand, when the service of a licensed clinician is required to deliver the care needed.  Sometimes this is to recuperate after a hospital or rehab stay, but it can also be for chronic (ongoing).  The services whether they are Physical, Occupational or Speech therapy, or care requiring a nurse like wound care referred to as skilled care.  Our panel will discuss when one would need it, where one finds it and who pays for it?