LONG TERM CARE INSURANCE FOR HOME CARE

5 Star Home Care quality homecare for Seniors – call 404-719-4118.  Serving all areas in Metro Atlanta including Fulton County, Dekalb County, Cobb County, and  Gwinett County.

LONG TERM CARE INSURANCE FOR HOME CARE

For those who have the foresight to buy it, long-term care insurance will cover the cost of home care either for help with activities of daily living, with supervision for dementia and, if it is a newer policy, for help with many of the other activities listed at the beginning of this section. These activities are called “homemaker services”. Most policies will pay in addition, for home modification and other necessary training and support to help a person remain in the home.

Providing informal long term care services at home is changing significantly for the American public. Traditional caregivers are now employed full time or are living away from their loved ones and cannot provide the care directly. It is becoming increasingly difficult for caregivers to provide the level of care offered in the previous century. The time for long-term care insurance to play a significant role in paying the cost of home care has come.

Most people with long term care insurance will purchase services with the insurance they normally would have furnished for free themselves. This is an extremely important issue because caregivers may often have money to pay for these services but will not spend it because, as they reason, they may need the money after their loved one is gone. By not seeking help, many caregivers destroy their own emotional and physical health struggling to provide countless hours of care for a loved one.

The insurance survey specifically pinpointed the fact that with insurance to help, the stress from caregiving was substantially reduced, especially for caregivers who were employed and working outside of the home. Caregivers were given a needed rest. And unlike the tendency to avoid using personal funds, people with insurance will almost always use it and make claims to help with care.