Download - Long term care ss july 2014

Transcript
Page 1: Long term care ss july 2014

What Long-Term Care Insurance Will Pay For

Page 2: Long term care ss july 2014

1. In-home nursing care• A popular misconception

is that long-term care insurance will only pay for care in a nursing home

• In fact, your daily benefit can be used for in-home nursing care

• So, long-term care insurance can actually keep you out of a nursing home

Page 3: Long term care ss july 2014

2. Occupational, speech, physical, and rehabilitation therapy

• If you elect in-home care, your daily benefit can be used to pay for these specialists

Page 4: Long term care ss july 2014

3. Help with personal care• Your benefit can

also be used to hire help with personal care activities, such as– Bathing– Dressing– Cleaning– Cooking

Page 5: Long term care ss july 2014

4. Adult “day care”• Also known as “adult

day services”• Most centers operate

for 10-12 hours per day

• Provide health, nutritional, and social services, as well as group activities (like exercise)

Wikipedia/ Tim Ross

Page 6: Long term care ss july 2014

5. Hospice care• For chronically and

terminally ill patients, long-term care insurance can be used for hospice care

wikipedia/ angusmclellan

Page 7: Long term care ss july 2014

6. Respite care• Respite care provides

short-term breaks for family members caring for relatives

• Has been shown to be good for the well being of family members, as well as a positive experience for the patient

• Long-term care insurance can be used for respite caregiver Flickr/ Fairfax County

Page 8: Long term care ss july 2014

7. Alzheimer’s care facilities

• Long-term care insurance can be used to pay for a specialized living facility for Alzheimer’s patients

Wikipedia/ 7mike5000

Page 9: Long term care ss july 2014

8. Assisted living facilities• For seniors capable of

independent living with some assistance, long-term care insurance can pay for an assisted living facility

• Services include– Meals– Housekeeping– Laundry– Health/exercise programs– Transportation– Social activities Flickr/ Michael D Martin

Page 10: Long term care ss july 2014

9. Nursing homes• Finally, long-term

care insurance was created to help pay for a nursing home, and can still do so

• Nursing homes provide continual nursing care for individuals who can’t care for themselves

Flickr/ Stephen Craven