Senior Care
Long-term care insurance: Advice for you and my aging parents
When I started working in Home Care over 10 years ago, very few seniors had a long-term care policy that paid for their care. In 2019 over one-third of our clients had their care paid through their long-term care insurance policy.
Many do not pay any out-of-pocket expenses for their caregiver. What a change in the industry and what a great benefit!
Long-term care insurance was created because Medicare and other traditional insurances do not pay for hourly Activities of Daily Living (ADL) support. ADL support includes bathing, dressing, toileting, ambulating, feeding, and cognitive support. This type of hourly support, as well as companionship, cooking, errands etc. are commonly purchased from 4 hours a day through...