LONG TERM CARE INSURANCE

Paradise Home Health Care accepts “Assignment of Benefits” for clients who have a Long Term Care Insurance policy. We will contact your insurer and verify benefits with you to learn some of the details about your policy; i.e. the “triggers”, any other coverages such as home safety equipment and whether they require a Nursing assessment.

Things you should know about your policy, BEFORE you need to use it.

  1. Is there an Elimination (out of pocket expense) Period?
  2. If yes, for how long?
  3. Is it a one time elimination period?
  4. What is your daily dollar amount and is it paid at 100% or 80%?
  5. Are premiums waived once on service?

Usually help with 2 or 3 Activities of Daily Living (ADLs) are needed to trigger coverage. This includes some assistance with; bathing, dressing, feeding, toileting, walking, transferring.

In many policies, Dementia is also an overiding trigger.

Remember, all policies are different, depending on what was purchased. You must start care first and OPEN a CLAIM.

 

John Hancock long tail care insurance  Genworth Long Term Care Insurance   MetLife_logo CNA Long term care insurance

bankers long term care insurance

 

 

And Others….