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  • Home
  • Services
    • Personal Care & Assistance
    • Shopping and Errands
    • Respite Care
    • Meal Preparation And Help With Feeding
    • Companionship Services
    • Ambulation Assistance
    • Alzheimer’s and dementia care.
    • Sitter Services (provided for clients in nursing facilities and hospitals)
    • Residential Cleaning
  • Contact Us
  • Employment
  • About Us
  • Resources
  • Blog
  Senior Services Of Southwest FL

​Understanding Long Term Care Insurance​

​Understanding Long Term Care Insurance

​Understanding the payment options for home care can be complicated and confusing. One of the first steps in the process is to determine whether or not your loved one has Long Term Care insurance.
Because the in-home care your loved one requires is considered “non-medical”, these services are not covered by traditional health insurance, Medicare or Medicaid.

​What is Long Term Care Insurance?

​Long Term Care insurance (LTC or LTCi) helps provide for the cost of long-term care beyond a predetermined period. Long Term Care insurance covers in-home care and community-based care, which is generally not paid for by health insurance, Medicare, or Medicaid. These individuals require long-term home care and are unable to perform the basic activities of daily living (ADLs) including bathing, dressing, eating, continence, toileting and ambulation.

​Types of Long Term Care Insurance Benefits

​Long Term Care insurance generally covers home care, assisted living, adult daycare, respite care, nursing home, dementia care facilities, home modification and Durable Medical Equipment (DME). Home Modification typically covers 30 to 60 days of benefits. Long Term Care insurance can pay for home care in the form of a visiting or live-in caregiver, companion or nurse up to seven days a week, 24 hours a day. Key components of LTCi:
​
  • Daily benefit
​
  • Lifetime benefit

  • Elimination period
​Investing in a Long Term Care insurance policy prior to changes in your loved one’s health, cognitive ability, physical or emotional condition as well as changes in their mobility can provide peace of mind that they will have the necessary coverage for comprehensive in-home care services if and when they are needed.
If you’re not sure about the coverage of your loved one’s Long Term Care insurance policy, contact Jamies Home Care Services today for a
​free, no-obligation Long Term Care insurance evaluation.

Location

WE Provide Quality in -home care & quality cleaning services through out swfl

For more than 5 years, Senior Services Of Southwest FL has been ensuring that the elderly and disabled individuals are not only living comfortably in their own homes but also staying as healthy as possible and their homes are left squeaky clean. As seasoned Private Non- Medical In-Home care providers, we work closely with our clients to ensure that we develop and follow treatment plans that are specifically designed for every client." And we ensure that we keep homes decluttered and sanitized for the well being of each client.

​Senior Services Of Southwest FL Location:
1617 Santa Barbara Blvd, Cape Coral Fl 33991


LICENSE # 235368 CERTIFICATE # 24949

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