Using a Long Term Care Policy to Pay for Home Care

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.

AF&L/American Fidelity & Liberty
AIG
American Heritage
American Pioneer
American Travelers
Bankers Life
Blue Cross Blue Shield-long term care
Conseco
Colonial American
CNA Insurance Company
GE Life Assurance & Annuity Company
GenWorth
GTL Insurance
John Hancock
Kanawha
Lincoln Benefit
Metlife
Mutual of Omaha
Old American
Penn Treaty Insurance
Senior Health Insurance Company of Pennsylvania/SHIPP
Trans America
Transport Life Insurance
Union Labor
Washington National

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.

FAQ's View All

Can I get the same caregiver for a morning and evening shift?

Maintaining continuity of care is important for our clients. Commonly known as "split shifts", the morning shift is designed to assist a client with their morning routine. Often referred to as rise and shine service, a four hour minimum is required with each shift. It is rather challenging to staff a client's wish with a split shift, however, it is up to the licensed caregiver to determine if they will accept both morning and evening shift. Evening shifts require a four hour minimum and generally clients request 6pm to 10am.

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.

Long Term Care Insurances