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Long Term Care
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Long term care covers you when you need it most. Find out how you can protect yourself and your family and maximize your independence.
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Long Term Care
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 What is Long Term Care Insurance?
When Should I Get Long Term Care Insurance?
What Does Long Term Care Insurance Cover?
How Do I Qualify for Long Term Care Insurance Benefits?
Why Do You Need Long Term Care Insurance?
Who Can I Talk To About Long Term Care Insurance?
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What is Long Term Care Insurance?
Long term care insurance is an insurance policy that covers the cost of long term care, such as assisted living communities, home care, adult daycare, hospice,
nursing home care, and Alzheimer�s facilities. Long term care insurance covers care that generally is not covered by health insurance, Medicare, or Medicaid.
Your age is not a determining requirement for needing long term care. People who need long term care are unable to carry out the basic activities of daily
living, such as bathing, eating, dressing, going to the bathroom, not able to get in and out of bed, dressing, and walking.
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When Should I Get Long Term Care Insurance?
It�s best to get long term care insurance when you are young and healthy.
Long term care insurance premiums are higher in price as you get older. Once you buy a policy your premiums do not
rise due to your health or age.
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What Does Long Term Care Insurance Cover?
Before buying long term care insurance you should know which facilities and services are covered under your policy.
Long term care insurance typically covers assistance with daily living activities like bathing, toileting, dressing, eating, and getting in and out of bed.
Here is a list of services a Long term insurance policy should cover:
- Home Health care: which includes skilled or custodial care at your home by a licensed home health agency or caregiver. This coverage should include part-time nursing care, assistance with daily living activities, and physical therapy.
- Licensed Nursing Home Services
- Licensed Assisted Living Community
- Adult Day Care Service
- Respite Care: Care provided when primary caregiver takes time off
- Recovery Period Benefits: Hospital stay or care at other facility
- Home Assistant Service: Help with day to day chores like cleaning, housekeeping, cooking, and shopping.
- Some policies will pay for training if you have someone in mind who you want to take care of you but needs education.
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How Do I Qualify for Long Term Care Insurance Benefits?
Once you can�t perform or need help with your activities of daily living, you are probably eligible for your benefits to start.
These activities include bathing, toileting, dressing, eating, transferring, and continence.
You will also need your doctor to certify your need for long term care.
You will need to read your long term care policy to get the details on how you qualify for your benefits.
Most policies today do not require you to be hospitalized before your benefits start.
However, Medicare still requires three days of hospital stay to be eligible for Medicare payment of a skilled nursing facility benefits.
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Why Do You Need Long Term Care Insurance?
The main reasons you need long term care insurance are to avoid physical and financial dependence on family or friends,
have a choice of where and how to get care, protect your assets, and give you peace of mind that you will be given high quality care.
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Who Can I Talk To About Long Term Care Insurance?
At Secure A Quote, we will refer you to a local licensed long term care insurance agent.
We have one of the largest networks of agents in the country.
Click here for a free no obligation quote.
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