We treat your loved one like family, offering respite for you and enhancing the caregiving experience. Learn more 
Family And Right At Home Owner Discuss Paying For Homecare With Long-Term Care Insurance Family And Right At Home Owner Discuss Paying For Homecare With Long-Term Care Insurance

Understanding Long-Term Care Insurance and Your Homecare

At Right at Home of Pottstown, planning for your future care or that of your loved ones is a responsibility and a privilege. Long Term Care Insurance (LTCI) is not just an option, it can be a vital component of comprehensive planning. Providing financial support for individuals facing a need for care is an important piece to that puzzle. Our team at Right at Home is here to help you navigate your options. Traditional health solutions like Medicare, Medicaid, and regular health insurance often do not cover non-medical senior care. This is where Long Term Care Insurance (LTCI) can shine, covering a range of a senior's much needed support and services.

"LTCI benefits vary and often significantly contribute to a range of senior care options and services."

Long Term Care Insurance Coverage

In-Home Care is the starting point for the benefits of LTCI. According to the American Association for Long-Term Care Insurance, 71% of claims started with home care. This highlights the significance of in-home support in the initial stages of long-term care.

In-Home Care and Personal Care

Female Caregiver Helping Female Senior With Meal Preparation

🠶  Help with Activities of Daily Living
🠶  Support Maintaining Daily Routines
🠶  Assistance with Personal Hygiene

Assisted Living Communities

Female Caregiver Walking With Senior Woman Using A Walker At An Assisted Living Community

🠶  Coverage for Residential Community Living
🠶  Assistance While Living in the Communities
🠶  Access to Communal Living Activities

Cognitive Decline Support
and Engagement

Female Caregiver Giving Memory Care With A Senior Female

🠶  Specialized Care for Dementia
🠶  Socialization and Safety
🠶  Tailored Care for Unique Cognitive Issues

Ongoing Long-Term Skilled Care

Female Caregiver Giving Skilled Nursing Care To Senior Woman

🠶  Tailored In-Home Ongoing Medical Care
🠶  Support within Skilled Nursing Facilities

Long Term Care Insurance FAQs & Myths

Typically, if you never need the coverage, the insurance company keeps your money. It’s a “use or lose it” scenario.

The elimination period is the waiting period before benefits kick in. This will vary based on the policy you purchase but could be up to 3 months. During this period, no benefits are allowed and bills must be paid directly by you.

According to a Pew Research study, 45% of Americans live more than an hour from extended family and this could make caring for an aging relative difficult or impossible.https://www.pewresearch.org/short-reads/2022/05/18/more-than-half-of-americans-live-within-an-hour-of-extended-family/

While family support is valuable, the increasing complexity and demands of modern life can make it challenging for loved ones to provide the necessary care. Long-term care insurance can help alleviate the financial burden on family members.

This will vary based on the policy you purchase. Covered items may include nursing home services, assisted living facility expenses, in-home care provided by an agency or by a relative, home modifications such as bathroom upgrades, among other items.

While long-term care insurance can be costly, the expense can be managed and planned. Premiums vary based on factors such as age, health, and coverage options. You should seek input from a licensed financial advisor or insurance agent.

One common misconception is that Medicare, the federal health insurance program for people aged 65 and older, covers long-term care costs. According to the PA Department of Insurance (insurance.pa.gov), “the federal government says about two-thirds of us will need long-term care." This care is very expensive and is not usually covered by Medicare.

According to a December 2023 report by CBS News Moneywatch report (https://www.cbsnews.com/news/who-can-benefit-most-from-long-term-care-insurance/), “seven out of every 10 Americans ages 65 and older will need some form of additional care in their lifetime.”

While pre-existing health conditions can impact eligibility and premiums, it is possible to get long-term care insurance. According to AARP, “a preexisting condition, such as heart disease or a past cancer diagnosis, may not stop you from getting a policy, the policy may not cover care related to that condition for some period after it goes into effect.”

How Right at Home Pottstown Can Help with Long Term Care Insurance

Right at Home Pottstown may not directly assist individuals in obtaining long-term care insurance, as the process typically involves working with insurance agents, brokers, or insurance companies; however, we can help in the following ways:

Assessment of Care Needs

We can conduct an assessment to understand an individual's care needs. This information can be valuable when considering the appropriate amount of coverage required in a long-term care insurance policy.


Collaboration with Family and Advisors

We can collaborate with the individual's family members and financial advisors to ensure a comprehensive approach to long-term care planning. This collaboration may involve discussions about the role of insurance in covering care expenses.


Documentation Support

When individuals apply for long-term care insurance, there is usually a need for medical records and health information. We can assist in documenting the individual's health status and care needs, which may be required during the underwriting process.


Integration of Services

By understanding the individual's care plan and preferences, we can help align long-term care insurance benefits with the specific services needed. This integration ensures that the insurance coverage supports the individual's home care requirements.

We Are Your Local LTCI Expert

At Right at Home Pottstown, we understand the importance of Long Term Care Insurance. As a locally owned business, we prioritize compassion and personalized care.

What Sets Us Apart

  • Coverage Analysis: We thoroughly evaluate your policy. This allow us to identify gaps and maximize your benefits.

  • Claim Assistance: We will guide you through the process of filing and managing claims. We're your advocate, helping ensure your rights are respected and there is a seamless experience.

  • Ongoing Administrative Support: We provide continuous assistance in managing and optimizing your LTCI benefits. You will have support dedicated to your evolving care needs.

Confident Female Right at Home Northwest Houston Caregiver

Partner With Us, Your Local Expert

Discover the peace of mind that comes with having a local expert by your side. Let Right at Home Pottstown be your trusted ally in navigating the complexities of Long Term Care Insurance. Embrace the future with confidence and age in place with dignity.

Contact us today for a personalized consultation tailored to your unique needs.

Also, feel free to download our Steps to Use Your Long-Term Care Insurance Policy flyer PDF.

Flyer About Steps To Use Your Long Term Care Insurance Policy

Need help right now? Call us anytime at

(610) 458-5050