If your mom or dad wants to live in their own home as they get older, but you’re worried about how to pay for any home care they need, long term care insurance is a great option. If your mom or dad has long term care insurance, they can get the support they need to live well at home without depleting their savings.
Surveys suggest that more than 70% of seniors want to stay at home as they age, but seniors who have medical conditions, poor mobility, and age-related vision or hearing problems will need some support at home. Long term care insurance will cover most home care for seniors, so you won’t need to worry about how your mom or dad will afford any care they need at home.
Some of the things that long term care insurance covers for seniors are:
Home Health Care
Many seniors prefer to receive care at home rather than moving to a facility. Long term care insurance often covers home health care services. These services help seniors with daily activities like bathing, dressing, and eating. They may also include medical care like wound care or post-surgical care.
Most long-term care insurance policies cover in-home care for seniors that includes care from care providers, home health aides, and even skilled nurses in some situations. Some plans also cover things physical or occupational therapy at home.
Adult Day Care
Adult day care centers provide care for seniors during the day. These centers offer a safe and supportive place where seniors can socialize, receive meals, and participate in activities. Adult day care can also provide medical care and therapy for seniors with physical or cognitive challenges.
Long term care insurance may cover programs that include supervised care for seniors during the day, including meals. And they may also cover specialized care programs for seniors with Alzheimer’s or dementia.
Nursing Home Care
If a senior needs more intensive care than can be provided at home, long term care insurance can cover nursing home stays. Nursing homes provide around-the-clock care and medical services for seniors who need constant supervision or medical attention.
Some long-term care policies also cover medical services provided at home, like administering medications, physical therapy, and specialized care for conditions like diabetes or heart disease.
Memory Care Services
Long term care insurance often covers services for seniors with memory issues, such as Alzheimer’s disease or dementia. Memory care services are designed to meet the unique needs of seniors with cognitive impairments. These services can be provided at home, in adult day care centers, or in specialized memory care units.
Respite Care
Respite care provides temporary relief for caregivers who are responsible for caring for a senior. This type of care allows family members to take a break from caregiving duties. Long term care insurance can cover the cost of a trained professional to step in and provide care for a short time.
Respite care coverage usually includes temporary around-the-clock in-home care, personal care assistance for seniors and any medical services or care needed during a respite period.
If you or an aging loved one are considering Long Term Care Insurance in Kirkland, WA, please contact the caring staff at Acti-Kare Responsive In Home Care today!
Acti-Kare provides exceptional senior home care across King County, Pierce County, and Snohomish County; including Bellevue, Kirkland, Kenmore, Bothell, Lynnwood, Woodinville, Redmond, Sammamish, Shoreline, Everett, Renton, Tacoma, and surrounding areas.
