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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
Chicago Metro, IL | Resources | Paying for In-Home Care
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Understanding Long-Term Care Insurance and Your Homecare

At Right at Home of Chicago Metro, 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

A caregiver smiles at his client, who laughs while telling a story. A caregiver smiles at his client, who laughs while telling a story.

How Right at Home Can Assist with Long Term Care Insurance

As a fully licensed home care agency in the State of Illinois, Right at Home is a qualifying provider under long term care insurance policies that include in-home care.
A line-art icon of a doctor.
Claim Submissions
Our Right at Home Chicago Metro office provides submission to your long-term care insurance provider free of charge for active clients with automatic payments from a bank account. Inactive clients and those clients without automatic payments will be billed $150 per month for long-term care submissions made on their behalf. We require the policy and claim number and all pertinent information regarding how and where to submit the information to make submissions on your behalf.
A line-art icon of speech bubbles.
Opening a Claim
To receive compensation from your long-term care policy, you must open a claim with the provider. Please check your policy for information about the process your provider follows. This process typically includes a healthcare questionnaire to be completed and/or a nurse assessment. Typically, claims are only approved if the policy holder requires assistance with two or more activities of daily living (ADLs). These include ambulation and transfer, bathing, dressing and grooming, continence care, feeding assistance, and toileting.
A line-art icon of two medical professionals.
Assignment of Benefit
Right at Home will consider accepting the assignment of benefit (i.e., payment directly from the insurance company) on a case-by-case basis and under the following circumstances: - Active client with autopay - A copy of the policy provided to Right at Home - Submissions made to insurance by Right at Home for six months or duration of policy spend down period, whichever is greater

We Are Your Local LTCI Expert

At Right at Home Chicago Metro, 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

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