What Long-Term Care
Insurance Will Pay For
1. In-home nursing care
• A popular
misconception is that
long-term care
insurance will only pay
for care in a nursing
hom...
2. Occupational, speech, physical, and rehabilitation therapy
• If you elect in-
home care, your
daily benefit can
be used...
3. Help with personal care
• Your benefit can
also be used to
hire help with
personal care
activities, such as
– Bathing
–...
4. Adult “day care”
• Also known as
“adult day services”
• Most centers
operate for 10-12
hours per day
• Provide health,
...
5. Hospice care
• For chronically
and terminally ill
patients, long-
term care
insurance can be
used for hospice
care
wiki...
6. Respite care
• Respite care provides
short-term breaks for
family members caring
for relatives
• Has been shown to be
g...
7. Alzheimer’s care facilities
• Long-term care
insurance can be
used to pay for a
specialized living
facility for
Alzheim...
8. Assisted living facilities
• For seniors capable of
independent living with
some assistance, long-
term care insurance ...
9. Nursing homes
• Finally, long-term
care insurance was
created to help pay
for a nursing home,
and can still do so
• Nur...
How to get more
income during
retirement
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Long term care ss july 2014

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What does long-term care insurance cover?

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Long term care ss july 2014

  1. 1. What Long-Term Care Insurance Will Pay For
  2. 2. 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
  3. 3. 2. Occupational, speech, physical, and rehabilitation therapy • If you elect in- home care, your daily benefit can be used to pay for these specialists
  4. 4. 3. Help with personal care • Your benefit can also be used to hire help with personal care activities, such as – Bathing – Dressing – Cleaning – Cooking
  5. 5. 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
  6. 6. 5. Hospice care • For chronically and terminally ill patients, long- term care insurance can be used for hospice care wikipedia/ angusmclellan
  7. 7. 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
  8. 8. 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
  9. 9. 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
  10. 10. 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
  11. 11. How to get more income during retirement

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