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.
- Is there an Elimination (out of pocket expense) Period?
- If yes, for how long?
- Is it a one time elimination period?
- What is your daily dollar amount and is it paid at 100% or 80%?
- 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.