LONG TERM CARE INSURANCE

Understanding Long Term Care Insurance

Understanding the payment options for home care can be complicated and confusing. One of the first steps in the process is to determine whether or not your loved one has Long Term Care insurance.

Because the in-home care your loved one requires is considered “non-medical”, these services are not covered by traditional health insurance, Medicare or Medicaid.

What is Long Term Care Insurance?

Long Term Care insurance (LTC or LTCi) helps provide for the cost of long-term care beyond a predetermined period. Long Term Care insurance covers in-home care and community-based care, which is generally not paid for by health insurance, Medicare, or Medicaid. These individuals require long-term home care and are unable to perform the basic activities of daily living (ADLs) including bathing, dressing, eating, continence, toileting and ambulation.

Types of Long Term Care Insurance Benefits

Long Term Care insurance generally covers home care, assisted living, adult daycare, respite care, nursing home, dementia care facilities, home modification and Durable Medical Equipment (DME). Home Modification typically covers 30 to 60 days of benefits. Long Term Care insurance can pay for home care in the form of a visiting or live-in caregiver, companion or nurse up to seven days a week, 24 hours a day. Key components of LTCi:

Daily benefit

Lifetime benefit

Elimination period

Investing in a Long Term Care insurance policy prior to changes in your loved one’s health, cognitive ability, physical or emotional condition as well as changes in their mobility can provide peace of mind that they will have the necessary coverage for comprehensive in-home care services if and when they are needed.

If you’re not sure about the coverage of your loved one’s Long Term Care insurance policy, contact Caregiving Experts today for a free, no-obligation Long Term Care insurance evaluation.

Southeast Michigan’s Trusted Home Care Agency

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 County, Oakland County and Macomb County. We provide our home care, senior care and dementia care services to residents of Plymouth, Livonia, Canton, Novi, Farmington, Commerce Twp., Bloomfield, Southfield, Royal Oak, Troy, Rochester Hills, Clinton Twp., Warren, Grosse Pointe, Dearborn, Allen Park, and White Lake to name a few.

“I have worked for this company for almost 2 years and it has been one of the best work experiences I ever had. The management particularly Karen is so easy to work with. She understands her clients well and is a match maker sent form God. She has great matchmaking skills and is able to discern which client YOU will work best with (ultimately it’s the caregivers choice) and will be comfortable integrating into the home and provide the best care and companionship to the client. This company is Amazing and will recommend it to anyone.”

Cortez C.Caregiver

“I’ve been with this company for almost a year and since day one management has been nothing but professional. They work around your schedule and make sure that you’re comfortable. Not only that, they make sure that they hire only the best for their clients. I especially love the hospitality that the clients and their family show, make you feel like you’re a part of their family. I wouldn’t leave this company for anything, you’ll have to drag me out kicking and screaming.”

Siedah O.Caregiver

“I transferred to Caregiving Experts from another home care company. The difference in the two is apparent in the relationships they build with not only the staff, but also with the clients. They make sure the client is partnered with the right caregiver to meet or exceed their needs. Karen stays up to date with all scheduling and communication and calls with any last minute schedule changes. She has an open door policy and assists with any and all questions and concerns. When it comes to home care you will not find a better company!”

Lenora G.Caregiver

“This is a great place to work for. Management is easy to work with they are willing to lend and hand or ear when he comes to frustration, conflicts or any struggles you may have. This company is very understanding when it comes to worker or client’s needs and wants.”

Joey M.Caregiver

“To all those in the southwest Detroit area who are need of quality attendant care for your loved ones I would recommend you search no further than Caregiving experts. When medical circumstances occur and your family or friends are unable to provide the care that is required it is comforting to know that you can rely in a company that demonstrates its commitment to your family member by its professionalism. Karen (director) provides you with the information that you need to help ease your fears during this difficult time. Because of her experience she can anticipate potential serious situations before they occur, has a wealth of contacts in both social and medical communities. But most important of all Karen fosters a feeling of trust. One word of caution to those who can afford care but try to price shop for services, Don’t. Be guided by who can best provide quality services. Taking care of someone during an illness may be life’s most difficult experience. During this trying time you don’t need a worker you need a partner. I suggest you seriously consider Caregiving experts LLC.”

Mario R.

“We needed 24/7 care for my father who suffers from Alzheimer’s disease. We needed caregivers and we needed them within a week. Karen Boshell and the Caregiving Experts team work hard putting together a team of caregivers for us. Although we ended up putting my father in a memory care facility, we appreciate all the effort they put into trying to help us.”

George G.

“My sisters and I are so grateful to Caregiving Experts for their help, professionalism, and continued support on behalf of our beloved mom. We can’t thank them enough, but I’ll try: Karen Boshell has been a joy to work with: attentive, supportive, flexible, always available. Karen is adept at handling last minute scheduling changes, has consistently offered thoughtful suggestions, and is always available to answer our (many) questions, She is competent, efficient, experienced, and her high standards insure that our mom is receiving the highest level of care. It’s such a relief to know that Karen is there when we need her, and that she has our mom’s best interests at heart. As for our mom’s ‘helper’: Diana has been a godsend. Our family is blessed for real. Diana is so kind, so caring and patient and understanding with our mom, and with us, too. How did we get so lucky?How do we adequately thank somebody for taking such good care of the person we love so much? We’re so grateful for Diana every single day. We appreciate her kindness and dedication to the health and well-being of our mom. We thank her for every sweet gesture, every insightful word of advice, every moment she listens to our mom, guides her, assures her, assists her and helps her navigate unsettled waters. We can’t thank Diana enough, we know that, but we hope she knows how much we appreciate everything she has done and does for our mom. We truly do thank Diana, and Karen, and everybody at Caregiving Experts, who have proven their worth and expertise to us time and time again. We’re so glad we found Caregiving Experts. We know our dear mom is in capable and loving hands.”

K. E.

“I used Caregiving Experts recently to help with my 86yr old mother. She took a fall and hit her head. She stayed in the hospital for a few days then spent a week in rehab. I live about 4hrs away and was informed by the hospital they’d be discharging her with only a day’s notice. I was able to get my mother back home but wasn’t comfortable having her alone every day without someone checking on her for a few hours. Luckily when i called Karen from Caregiving she was able to meet me and my mom the day we took her home. That was literally with just 8hrs notice and they were still able to meet me in person. They were able to quickly set up a caregiver to start the next day. I used them for two weeks until I could make long term arrangements to move mom closer to me. They provided a terrific caregiver named Katelyn. Although mom live close to me now, If i was ever in the same position I wouldn’t hesitate to use them again. Thanks again Karen and Katelyn!”

Timothy M.

“I recently had to move my grandmother here from Tennessee, as I am now the only family she has. I was nervous and scared, I had two small kids and a full time job. Karen Boshell went above and beyond to make sure I was comfortable and informed about everything. She was literally available 24 hours a day for any questions or concerns. My grandmother received great care from this company and we couldn’t be any happier with our choice!!! Thank you Karen and Caregiving Experts!! ”

Samantha R.

“The administrative staff at Caregiving Experts are good to work with. They communicated well with me to keep consistent coverage for helping our family with our Mom. I worked with 5 caregivers from there. Four of them provided excellent service. I think this proves that their training and selection process for their caregivers is probably pretty darn good.”

Toni K.