Long Term Care Insurance

Understanding Long Term Care Insurance

Understanding the payment options for personal care/private duty home care can be complicated and confusing at best. One of the first steps in our process is to determine whether or not your loved one has Long Term Care insurance. Some examples of Long-Term Care companies include Genworth, Brighthouse, Aetna, Bankers Life, Calpers to name a few.

LTCi will pay for a variety of services. Here is a resource to help you learn more:

Using Long Term Care Insurance for Home Care

When your loved one has invested in a long-term care insurance policy, you want to be able to make the most of the annual premium you have been paying. Long-term care insurance covers home care services for seniors and those with long-term care needs. Caregiving Experts can assist you determine if your loved one qualifies.

Request a complimentary consultant by one of our care experts 

How to Use Your Policy For Long-term Care Services

In order to receive Long-Term Care Insurance benefits, most policies say that a policyholder must require assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. ADLs include:

  • Eating
  • Bathing or showering
  • Grooming
  • Walking
  • Dressing and undressing
  • Transfers
  • Toileting

Accessing Your Long-Term Care Insurance Policy

Trying to determine if you have appropriate coverage for home care and the related processing of claims can be extremely confusing, frustrating and time-consuming.

Caregiving Experts will work with you step-by-step to help you complete the application and paperwork required to qualify for your benefit.  Once you qualify, we will assist with the related claim processing to eliminate the “hassle” of dealing with an insurance company. If you need help determining whether or not you or your loved one qualifies for home care services under their current insurance plan, we can help.

At Caregiving Experts offers Long Term Care coverage evaluations free of charge.  Contact us today for a free, no-obligation Long Term Care insurance analysis. Our experienced LTCi professionals will provide a policy eligibility determination and advise you on the terms of your policy in an effort to maximize the Long-Term Care benefits you are paying for.

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 LCT insurance policy evaluations, we also assist with the processing of home care claims for individuals with long term care insurance benefits.  We provide these services complimentary throughout Southeast Michigan 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.

Complimentary In-Home Care Needs Evaluation

When you are faced with the challenge of finding an in home care provider to help care for the emotional and physical well being of someone you love, maybe your mom or dad, you will be faced with many questions.

Making the decision about in-home care for a loved one is never easy, but finding the right answers can help you feel more comfortable with the options available and confident in your final decision. That’s why Caregiving Experts provides prospective clients and their families with a complimentary, no obligation in home care needs assessment.

In our meeting, we will thoroughly discuss your care needs and work with you or your loved one to determine how best to meet your requirements. After evaluating your home care goals we will have a better understanding of your loved ones physical, emotional and cognitive needs and will work with you to create a personalized plan of care.