What Does Long-Term Care Insurance For Seniors Cover?

By Steve Elliott | September 30, 2024 | Comments Off on What Does Long-Term Care Insurance For Seniors Cover?

If your senior mom or dad wants to continue living independently as they age, they may need some help at home. Medical conditions, impaired mobility, and other factors can mean that your mom or dad needs a caregiver to help them with daily tasks. Long-term care insurance can make paying for that home care easier. One must have a policy and pay long-term care insurance premiums for that coverage.

Long-term care insurance helps cover the costs of care when someone can no longer live independently. It’s especially useful for seniors who want to stay in their own homes as they age.

What Long-Term Care Insurance Is

Long-Term Care Insurance Premiums San Marcos CA - What Does Long-Term Care Insurance For Seniors Cover?

Long-Term Care Insurance Premiums San Marcos CA – What Does Long-Term Care Insurance For Seniors Cover?

Long-term care insurance is different from regular health insurance. Health insurance covers doctor visits, hospital stays, and prescriptions. But it doesn’t usually cover long-term care, which is the kind of care people need if they can’t do everyday tasks on their own anymore. This could be because of aging, illness, or injury.

If your mom or dad needs help doing basic activities every day, long-term care insurance can pay for a caregiver to assist them. This caregiver can come to your senior parent’s home on a regular schedule, which makes it possible for your mom or dad to continue to live in the home they love. It can also cover other services, like special equipment that makes it easier for them to live at home.

What Long-Term Care Insurance Covers

Long-term care insurance can cover a variety of services that make it easier for seniors to stay in their homes, depending on the policy that you choose. Here are some of the things it can help pay for:

Help with Daily Activities

Daily activities include things like bathing, dressing, eating, using the bathroom, and moving around. If a senior can’t do at least two of these tasks on their own, long-term care insurance will usually help cover the costs of hiring someone to assist them.

In-Home Care

This is when a caregiver comes to the senior’s house to help them with ADLs and other tasks like meal preparation, cleaning, laundry, medication reminders, and grocery shopping. Having home care will provide the support that your mom or dad needs to stay in their own home for as long as possible.

Home Modifications

Long-term care insurance might help cover the cost of making changes to the home, like adding a ramp or grab bars, to make it safer and easier for your mom or dad to live there if they experience a medical emergency or develop a long-term illness that limits their ability to get around the house.

Skilled Nursing Care

This is care provided by licensed nurses, like giving medications, physical therapy, or wound care. It can be provided at home or in a specialized facility.

If your mom or dad falls at home, has a heart attack or a stroke, or develops a serious medical condition that requires monitoring skilled nursing care at home is a good option for them. Skilled nursing can help your mom or dad recover at home after a hospitalization or help them manage conditions like COPD or diabetes.

If you or a loved one are considering Long-Term Care Insurance Premiums in San Marcos CA, please get in touch with Steve Elliott at Capstone Insurance for an honest discussion about your future and options. Call today at (858) 350-3161.

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