Palm Beach, Florida
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Long-Term Care Insurance 101: What You Need to Know:

As families loved one get older, they’re worries start to grow. The main concern is about how they will pay for costs of care for their senior loved one. if a senior’s needs are non-medical, Medicare, Medicaid, and health insurance do no cover the costs of senior care. But, by investing in a long-term insurance policy, it will elevate your stress, and is the best way to financially prepare for long term care. In addition, it’s a great way to give families a certain peace of mind, knowing that they can give the best care to their loved one as they age.


caregiver helping senior button up shirt

Also, long-term care does cover in-home care through various areas such as care providers, assisted living, skilled nursing, and memory care communities. But, it’s important to note when purchasing a long-term care policy are the benefit amount, the benefit period, and the elimination period.

It’s imperative that you make the long-term care investment before your loved one’s health changes or emergencies occur. This will provide your family with more options when it’s time to find quality care for your loved one. In addition, long-term care policies can be difficult to understand, which is why help from the Right at Home, Palm Beach County: in-home care and assistance professionals can be crucial to getting the most out of your benefits.


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Understanding of LTCI Benefits:

The experts at Right at Home, Palm Beach County, will help policyholders understand and verify their long-term care insurance benefits. Our senior care professionals will guide you through the process of reviewing and fling a claim so you can start receiving benefits. Make sure to call us today, to take advantage of the free long-term care insurance assessment. Once done, we will coordinate a conference call with you and your insurance carrier to do the following:

  • Analyze & identify the requirements from your policy, which includes any elimination periods, daily maximum, life-time benefits, and coverage.
  • Bill the long-term care insurance carrier directly, which is at the policyholder’s request.
  • Assist the policyholders (You) in completing the needed forms to file a claim.
  • Help with the responsibilities of scheduling, benefits, payroll taxes, workers’ compensation, bonding, and all general and professional liability insurance.

Concierge Long-term Care Resource Center

*Remember, our concierge long-term care resource center will not only assist you and your senior loved one with details of your policy. But, we can also help coordinate and deliver care, which will provide you with the peace of mind, more time to spend a happy, healthy, and independent lives.

Also, we have established relationships with various long-term care insurance carriers, and third-party administrators to make the claims process easier for you and your loved one. So, let us be your advocate. We can help you receive benefits and the compassionate care you need and deserve. Call us today to speak with one of our senior care professional advisors for a FREE benefits analysis.

caregiver helping senior use remote controlsenior using walker to stand

Using LTCI for Home Care:

To receive the long-term care insurance benefits, most policies state that a policyholder must require assistance with at least two activities of daily living, or ADLs, or have cognitive impairment. Also, the standard long-term care insurance policies will include five or six of the following activities of daily living:

  • Showering & Bathing
  • Grooming (assistance with personal hygiene)
  • Ambulation (help with mobility or transferring)
  • Feeding (not including chewing or swallowing)
  • Toileting
  • Dressing

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