What is Long Term Care & Do You Need Long Term Care Insurance?

The Basics of Long Term Care

Long term care is often confused with other forms of medical care because it includes a wide range of medical and support services in a variety of settings. We have created this section to help you better understand the basics of long term care, including:

What is Long Term Care and Who Needs It?

Long term care is care that you need if you can no longer perform everyday tasks (activities of daily living) by yourself due to a chronic illness, injury, disability or the aging process. Long term care also includes the supervision you might need due to a severe cognitive impairment (such as Alzheimer’s disease).

This type of care is not intended to cure you; it is chronic care that you might need for the rest of your life. You can receive long-term care in your own home, a nursing home or another long term care facility, such as an assisted living facility.

People often confuse long term care with disability or short-term medical care. Long term care is not:

  • Care that you receive in the hospital or your doctor’s office
  • Care you need to get well from a sickness or an injury
  • Short-term rehabilitation from an accident
  • Recuperation from surgery

Where are Long Term Care Services Received and Who Provides Long Term Care?

Many people think all long term care is provided in nursing homes. However, long term care is most often provided at home, in adult day care facilities or in assisted living facilities.

Who Provides Long Term Care?

Most long term care services are provided by family members and friends. This type of care, informal care, also includes long term care services provided by unlicensed caregivers who are not arranged or supervised by a home care agency.

Care can also be provided by professionals trained in the field of long term care. This type of care, formal care, is provided by a home health aide, in-home caregiver or homemaker arranged or supervised by a home care agency or provided by a nurse or therapist.

The Basics of Long Term Care Insurance

What is Long Term Care Insurance (LTCi)?

Long Term Care insurance is an insurance product which pays for long term care services in many settings, such as at home, a nursing home, assisted living facility, and adult day care facility.

Long Term Care Insurance Benefits Overview

There are a variety of LTCi benefit option policy rules and features available, which can vary by state and the company providing the policy. Trying to determine if you have appropriate coverage for home care or processing Long Term Care insurance claims can be extremely confusing and time-consuming.

If you need help determining whether or not you or your loved qualifies for home care services under their current insurance plan, we can help.

Using Long Term Care Insurance to Pay for Home Care

In order to qualify to receive Long Term Care insurance benefits, most policies require a policy holder to need assistance with at least two activities of daily living (ADLs) or have cognitive impairment. If you need the help, we can get you qualified and approved for service.

Long Term Care Insurance Claim Processing

Do you need help initiating a Long Term Care insurance Claim or require assistance completing the paperwork and processing the weekly ADL forms? We help our clients attain approval and maximize the value of their LTCi benefits with our free support services.

Your Trusted Source for Long Term Care Insurance Assistance and Advise

Caregiving Experts offers assistance with long term care insurance for our clients. In addition to proving free LCTi policy evaluations and free processing of home care claims for individuals with long term care insurance benefits, we can also provide comprehensive in-home care services, senior and elder care services, Alzheimer’s & dementia care, as well as 24 hour live-in care services throughout Southeast Michigan, including the Detroit Metro area suburbs including Wayne CountyOakland County and Macomb County. We provide our home care, senior care and dementia care services to residents of PlymouthLivoniaCantonNoviFarmingtonCommerce Twp., BloomfieldSouthfieldRoyal OakTroyRochester HillsClinton Twp.WarrenGrosse PointeDearbornAllen Park, and White Lake to name a few.