Try: What do long-term care insurance policies cover long-term care services are provided when a person cannot perform certain activities of daily living adls or is cognitively impaired because of senile dementia or alzheimer alzheimer’s disease most commonly the adls used to determine the need for services include bathing dressing transferring getting from a bed to a chair toileting eating and continence today today’s policies cover skilled intermediate and custodial care in state-licensed nursing homes long-term care policies usually also cover home care services such as skilled or nonskilled nursing care physical therapy homemakers and home health aides provided by state-licensed and or medicare-certified home health agencies many policies also cover assisted living adult daycare and other care in the community alternate care and respite care for the caregiver alternate care is nonconventional care and services developed by a licensed health care practitioner that serve as an alternative to more costly nursing home care benefits for alternate care may be available for special medical care and treatments different sites of care or medically necessary modifications to the insured insured’s home like building ramps for wheelchairs or modifications to a kitchen or bathroom a health care professional develops the alternate plan of care the insured or insurer may initiate the plan and the insurer approves it the benefit amount paid for alternate care would reduce the maximum or lifetime benefit available for later confinement in a long-term care facility policies may limit the expenses covered under this benefit for instance 60 percent of the lifetime maximum limit information references "guide to long-term care ltc insurance" by america’s health insurance plans 2004 available at www pueblo gsa gov
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Keywords: Long term care insurance nursing home home health aides
*This information is listed as a Fact Sheet and is not explicitly medically licensed