Commonly Asked Questions When Using a Long Term Care Insurance Policy for In-Home Care Services

What are considered the six activities of daily living in order to use my long term care policy?

It is always best to carefully review your long term care policy. In order to use your long term care insurance policy generally the long term care insurance company requires that at least two activities of daily living be conducted by a licensed caregiver. The following are the general activities of daily living:

Bathing

Often times clients are fearful of a fall should they shower or bath alone. Having a caregiver available during bathing will give clients peace of mind. Whether the aide is on stand by assistance allowing for privacy or assisting a client with proper hygiene, the bathing activity should be documented in the care notes of service.

Dressing

It is very common for a decrease in mobility requires an additional set of hands to assist in dressing due to a healthcare setback. Whether a client needs help taking on or off items of clothing with the assistance of an aide can alleviate any unnecessary stress.

Continence

Eating

Toileting

Transferring

What do I do if I am a resident of Palm Beach County and would like to register with a Special Needs Program?

Your patient care coordinator at Accountable Home Care can assist you or a family member with applying for the free service through Palm Beach County. Please call the office to get more information at 561-320-0055 or click here for the application.

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.