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Long Term Insurance

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Understanding your Long Term Care Policy

Unlike traditional health insurance, long term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home or a skilled nursing facility. There is generally a waiting period before a long-term care policy begins paying for your care. This is known as the “elimination period” and it begins when you benefits have been triggered. You many have to pay for home care services you receive during that time.

How Long Benefits Will Be Paid

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit and time frame) for services to assist them with activities of daily living. Different policies may have different “benefit triggers” conditions that must exist in order for an insurance company to pay benefits. For example, a policy will only pay benefits when you are unable to perform at least two of six activities of daily living without substantial assistance for as least 90 days, or have a cognitive impairment, such as Alzheimer’s. You must also have a plan of care prescribed by a licensed health care practitioner. Independence Home Care will have a Registered Nurse create a comprehensive plan of care and submit it to the insurance policy at no additional charge.

How Can Independence Home Care Help

Independence Home Care is a preferred provider for most major Long Term Care Insurance Companies. We submit all claims and documents on your behalf for hassle free service at no additional cost. We have a dedicated Client Care Coordinator who handles all of our Insurance claims on a weekly basis for expedited reimbursement.