Understanding Long-Term Care Insurance and Your Homecare
Do you own a private long-term care insurance policy but are confused about what exactly it covers? You are not alone, since every policy is different. At Right at Home of Cleveland, 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
🠶 Help with Activities of Daily Living
🠶 Support Maintaining Daily Routines
🠶 Assistance with Personal Hygiene
Assisted Living Communities
🠶 Coverage for Residential Community Living
🠶 Assistance While Living in the Communities
🠶 Access to Communal Living Activities
Cognitive Decline Support
and Engagement
🠶 Specialized Care for Dementia
🠶 Socialization and Safety
🠶 Tailored Care for Unique Cognitive Issues
Ongoing Long-Term Skilled Care
🠶 Tailored In-Home Ongoing Medical Care
🠶 Support within Skilled Nursing Facilities