What is Long Term Care Insurance
Long-term care insurance (LTCI) is an insurance policy that helps cover the costs of assisted living, nursing home, or in-home care. LTCI is one of many ways to cover the cost of in-home care services.
What Does Long-Term Care Insurance Cover?
A long-term care insurance policy helps cover the cost of long-term care for seniors. Each LTCI policy is built differently and may provide coverage for different types of care. In general, long-term care insurance can cover:
- In-home care services like Right at Home Palm Beach
- Assisted Living
- Adult day care centers
- Respite care for family caregivers
- Hospice and palliative care
- Alzheimer’s or other dementia-related care
In addition, most long-term care policies cover non-medical care needs for activities of daily living (ADLs) and instrumental activities of daily living (IADLs). Activities of daily living refers to personal care assistance that seniors may not be able to perform. These include:
- Personal hygiene such bathing, dressing, and grooming
- Ambulation assistance such as walking with a wheelchair and transferring
- Meal preparation and feeding assistance
- Incontinence and toileting
LTCI policies also cover instrumental activities of daily living, which are skills needed to provide day-to-day tasks. These tasks include:
- Transportation for shopping or running errands
- Meal preparation
- Medication management
- Light housekeeping
How to Get Help with a Long Term Care Policy
Right at Home Palm Beach’s long-term care insurance specialist are here to help you make sense of your long-term care insurance policy. We work with top long-term insurance companies such as John Hancock, MetLife, Genworth, CNA, and much more to assist seniors in understanding their policy. Our team can help with:
- Filing and opening a claim
- Understanding your policy and coverage
- Help qualifying for benefits
About Right at Home Palm Beach
The Right at Home Palm Beach office of Right at Home is a locally owned and operated franchise office of Right at Home, LLC, serving the communities of Boynton Beach Greenacres , Juno Beach , Jupiter , Lake Worth , North Palm Beach , Palm Beach Gardens , Riviera Beach , Wellington . For more information, visit Right at Home Palm Beach, or contact Bruce Gropper at (561) 440-2273 , or by email at bruce@best4care.com .
