Long Term Care: Providing You the Benefit of Staying at Home

Not many of us consider our potential need for home care when we become older.

However, maybe it is time we should. If we want to receive high quality care from a home care service, we will want to consider an insurance policy for long term care. Without this insurance policy, we may not be able to enjoy the benefits of staying home to continue our normal routines.

Understanding Long Term Care Insurance:

  • Covers Cost: Once the need for home care is required, our long term care insurance will kick in and begin to pay for it. Usually, the longer you hold a long term care insurance policy, then the longer the insurance will pay for the home health care you receive.
  • Policies: Every policy you can qualify for will be different from one another. It is important that you speak with your broker to understand the information involved in your policy. Depending on the policy, you may have to wait up to 120 days before you are able to use the insurance coverage while with others you can receive it right away. If you need the coverage right away, it is important you choose a policy that can manage that for you.
  • Eligibility: You become eligible to use your long term care insurance when you have the need for assistance with ADL’s, which is activities of daily living. For example, if you need assistance with bathing, getting dressed, and eating, then you will be able to begin using your long term care insurance policy.

Once you begin to consider the use of your long term care insurance, contact us. We have been providing our clients with high quality home health care since 1980. To get the most out of your long term care insurance, consider Best Care to meet your home care needs.

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