The time to plan is now. Take a look at the LTC Information section. There is an online interactive cost of care tool to help you learn more about costs in your area. And don't forget to browse the Resource section to find articles to help you stay up-to-date on long term care issues.
Services/Products
When it comes to the rising cost of long term care, it is important to understand your options. Traditional health insurance is not designed to cover long term care. Medicare was not designed to adequately cover the long term care costs many Americans may face. And, Medicaid (in California, MediCal) may not cover you until many of your assets have been depleted.
Time is a consumerâ&euro&trades enemy when it comes to long term care planning. A future change in health could limit your options.
The time to plan is now. Take a look at the LTC Information section. There is an online interactive cost of care tool to help you learn more about costs in your area. And don't forget to browse the Resource section to find articles to help you stay up-to-date on long term care issues.
Long term care insurance helps pay for covered long term care when a person needs substantial assistance with at least 2 of the 6 activities of daily living (bathing, dressing, getting in and out of bed (or toileting and continence), for a period expected to last at least 90 days due to a chronic disease, accident or illness, or needs substantial supervision because of a severe cognitive impairment such as Alzheimerâ&euro&trades disease, and a doctor, nurse or licensed social worker certifies from time to time the individual needs the assistance or supervision as described above.transferring), feeding
Long term care services may be provided by a health care professional such as a nurse, a home health aide, or other personal care providers such as family members,and personal care attendants.
Long term care insurance can help pay for varying levels of care in a variety of locations, ranging from a few hours of care per week at home to round-the-clock care in a nursing home.
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Types of Long Term Care top
There are a number of options when planning for a long term care need
Homemaker make it possible for people to live in their own homes or to return to their homes by helping them complete household tasks that they canâ&euro&tradet manage alone. Homemaker services aides may clean clientsâ&euro&trade houses, cook meals or run errands.
Personal and Home Health Aides help the elderly, disabled, or ill live in their own homes or in residential care facilities instead of nursing homes. Home health aides may provide more extensive personal care than can family or friends.
The two types of home health aide agencies are Medicare-certified and non-Medicare-certified/licensed. Medicare-certified agencies can accept Medicare reimbursements while non-Medicare certified/licensed agencies cannot.
Adult Day Health Care (ADH) centers can offer a much-needed break to caregivers. These community-based centers care for adults needing assistance or supervision during the day, but who do not need round-the-clock care. The centers may provide health services, therapeutic services and other social activities.,When it comes to the rising cost of long term care, it is important to understand your options. Traditional health insurance is not designed to cover long term care. Medicare was not designed to adequately cover the long term care costs many Americans may face. And, Medicaid (in California, MediCal) may not cover you until many of your assets have been depleted.
Time is a consumerâ&euro&trades enemy when it comes to long term care planning. A future change in health could limit your options.
The time to plan is now. Take a look at the LTC Information section. There is an online interactive cost of care tool to help you learn more about costs in your area. And don't forget to browse the Resource section to find articles to help you stay up-to-date on long term care issues.
Long term care insurance helps pay for covered long term care when a person needs substantial assistance with at least 2 of the 6 activities of daily living (bathing, dressing, getting in and out of bed (or toileting and continence