Long-term care insurance is insurance that may be added to a patient’s current medical insurance coverage. It can be included in personal health insurance or government provided insurance, Medicaid or Medicare.
Long-term care insurance covers services that are separate from health insurance plans which help with the payments of physician appointments, surgery stays, or prescriptions. Long-term care insurance is specifically for services to help the patient with in-home care. They would need help with daily living needs like meal preparation, feeding, transferring, toileting, or dressing. This might entail paying for a service to have someone to come and perform these requirements like cooking and cleaning of the home for the patient.
The bulk of folk who would need the service are aged. They won’t be physically able to perform their needs or they might have cognitive impairment like Parkinson’s illness or Alzheimer’s. Some children may qualify if folks need additional help with a disable kid. This would be a type of recess care.
Long term medical insurance also includes coverage for patients who would need to moved from their home into a retirement home. Other examples are controlled living facilities and adult day cares.
Benefits to buying a long-term care insurance plan include providing the patient with more monetary security in the time they are least able to care for themselves. Paying for a caregiver to come to the home can be extraordinarily costly, and an insurance policy covers most costs. Medicare plans pay for a major portion of in-home care.
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Tax-qualified are the kinds of policies which are most commonly available. There are restrictions in which a person must qualify for these services. They must need in-home care for more than ninety days. The patient must also need help in two areas of assisted daily living. Examples are help with meal preparation, feeding, showering, transferring from a chair to bed, continence, light housekeeping, driving to perfom errands, and reminding of medicines. The plan also wants to ordered by the consultant. The patient purchasing an insurance plan is not taxed.
The rates of these insurance plans are primarily based on several factors. Insurance companies will look at a patient’s age, the advantage of these services to the patient, the length of service, and the patient’s health rating. There are a few types of deductions available to such as rebates for couples buying individual policies. This would apply not only to married men and women but to people who meet the criteria living together and sharing basic living expenses.
There are many folk who would gain advantage from long-term care insurance because when the time comes a person can’t handle their ordinary duties, it helps noticeably financially at these times. It provides families the comfort that they are able to provide someone to take care of their loved one when they don’t seem to be in a position to. These plans also help in being tax deductible to the consumer.
Before you go out and buy a policy go to Long Term Care Insurance, ask questions and request a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.