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Long Term Care Insurances

Paying for for Hourly Home Care with a Long Term Care Policy

In Home Care Services Paid for by Long Term Care Insurance

Accountable Home Care Nurse Registry works with many long term care insurance policies. As a senior care leader in South Florida, we have a clear understanding of how long term care policies work.   Long-term care insurance allows patients/clients to open a claim and receive in home care services through a caregiver referred by Accountable.  

Whether you are filing an initial claim or reinstating a previous claim, our long term care insurance experts can help you navigate the claim process and will personally assist you in better utilizing your policy at no additional cost. 

Maximizing Long-Term Care Insurance with Home-Based Care

A majority of individuals who have purchased a long term care policy use their policy for in-home care versus a nursing home. The need for in-home care is not planned and unfortunately a number of individuals did not purchase a policy. For the individuals who invested in a long term care policy and paid annually for the coverage, using the policy does not have to be taxing nor create any unnecessary stress. At Accountable Home Care, we want you make sure you maximize time with a caregiver so you can continue to thrive in a safe, home environment.

Interesting Facts About In-Home Care

Roughly 52 percent of aging adults reaching 65 today will need in-home care services. Unfortunately of the 52 percent that will need home care, fewer than 10 percent of older adults have purchased a long term care insurance policy.

Currently more than 6 million older adults are considered to have a “high need” where they can benefit from in-home non-medical care.

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    Senior Care

    FAQs

    What is custodial care?

    Understanding the Meaning of Custodial Care in a Home Setting

    When using a long term care policy, custodial care means non-skilled long term care services.  Assistance with daily living such as transfer assistance, bathing and feeding are just a few example of non medical custodial care.

    When using a Long Term Care Policy as payment for hourly care at home, what services are considered long-term care services?

    Long Term Care Benefit

    Often times families and clients requests the use of their long term care policy as an acceptable payor source when retaining our services for hourly care at home.  At Accountable Home Care, we are proud to accept the benefits and work directly with insurance if it is easier for the client and the family.

    When using a long term care policy, care services tend to relate to the following covered care services:

    *It is very important to verify directly with the long term insurance provider and utilize your original long term care policy for further clarification and guidelines.

    • Attending an Adult Day Care Center offering respite services.  This allows for a family to seek a comfortable and safe environment outside the patient’s home.  Adult day care is a great option for senior citizens who may benefit from socialization.  Typically the primary caregiver is an adult child that works and the aging parent no longer can be left home alone while the adult child works.
    • Home Health Care – Skilled Registered Nursing Visits and/or home physical therapy services.  Hospice at home is another form of home health care but can also be at an actual inpatient center.
    • Assisted Living Facility resident or a resident of a Long Term Care Nursing Home.
    How can I get help at home using my long term care policy?

    If you or someone you love has a long term care policy, a patient care coordinator from Accountable Home Care can discuss home care services.  It is always helpful to have your long term care policy available so a representative from our nurse registry and your long term care agent can review the terms with you.   It is important to us that clients have a complete understanding if there are any out of pocket expenses prior to the long term care insurance paying for care.  Most people that ask for assistance have never used their long term care policy and the process seems overwhelming.  Families and clients alike can be assured we can ease any uncertainties to ensure the claim filing is not a painful process.

    Benefits of Using a Long Term Care Policy for Custodial Care

    We help facilitate opening an insurance claim with the long term care insurance provider and the patient.  Common terms such as Elimination Periods, Monthly or Daily Benefit, Care Advisory Services, Stay at Home Benefits and Assistance with Daily Living Requirements are discussed as part of the intake process.

    What does Activities of Daily Living mean?

    Activities of Daily Living and Senior Care

    Activities of Daily Living is a term used when discussing care for the elderly or the disabled. Activities of daily living are duties a person needs to do in order to be safe. As we age, care may be required to help a family member or a patient called ADLs. ADLs are referred to as “activities of daily living” which includes bathing, dressing, continence, eating, toileting, and/or transferring.

    Using a Long Term Care Policy for Personal Care Services

    When a patient opens a claim with a long term care insurance company, care time sheets/notes must reflect activities of daily living as qualifiers. A change in medical condition often times requires a caregiver in a home for an elderly family member. At Accountable Home Care, we offer flexible hours designed to meet your lifestyle. Whether you need daily care or short term respite, Accountable Home Care in Palm Beach Gardens is here for you and your family.

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