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General Information About Long-Term Care Insurance2. Where can I receive long-term care services? 3. What are Activities of Daily Living (ADLs)? 1. What is long-term care? Long-term care (LTC) refers to a variety of services designed to help people perform the functions of day-to-day living to help them remain independent. Some long-term care is aimed at providing help with day-to-day activities for people with a chronic illness, or cognitive impairment, such as dementia. Other long-term care services may be rehabilitative, helping someone regain function after a serious injury. Return to Top 2. Where can I receive long-term care services? Many people think that long-term care refers only to services provided in a nursing home. It’s much more than that. Long-term care services can be provided by: • Nurses • Certified Nursing Assistants • Physical, occupational and respiratory therapists • Home Health Aides and homemaker services It can be provided in many different settings such as: • Your own home • An assisted living facility • A nursing home • An adult day center • A hospice facility or hospice services provided at home Long-term care services may also be received in a continuing care retirement community. This type of facility usually provides housing, services and various levels of long-term care services when needed, in one location. The types of housing,c services and care services offered change with the needs of the resident and allow the older adult resident to “age in place.” 3. What are Activities of Daily Living (ADLs)? The insurance industry has specific definitions that they use involving certain activities and functions. These are referred to as Activities of Daily Living (ADLs), which are listed below. • Dressing • Bathing • Transferring (moving in or out of a bed or chair) • Toileting • Eating • Continence Return to Top For additional information see the links below: Long-Term Care Insurance-Home Page What is the Cost of Long-Term Care Services? Paying for Long-Term Care Services 1. How are long-term care services paid? a. Self-Insure b. Medicaid c. Medicare d. Long-Term Care Insurance Is Long-Term Care Insurance Appropriate for You or a Family Member? 1. Who could benefit from purchasing long-term care insurance? 2. What is the right age to purchase long-term care insurance? 3. Is there anyone who should not purchase long-term care insurance? What Are the Costs of Long-Term Care Policies Based On? How to Select a Policy? 1. What decisions do I need to make? 2. How can I protect myself against the rising cost of care? 3. How much coverage is right for me? What About Different types of Policies and Coverage? 1. What is the difference between “reimbursement,” “indemnity,” and “disability” type policies? 2. What is a "Tax Qualified" policy? 3. What are "Partnership Programs"? How Long Can I Expect to Need Coverage? What About Benefits? 1. How do I become eligible to receive benefits? 2. Who determines when I am eligible for benefits? 3. What happens to my benefits if I stop paying my premium? 4. What is a “return of premium on death” benefit? What Else Should I Know? 1. Can I change my mind if I buy a policy? 2. Can my premiums be raised? 3. How can I evaluate a long-term care insurance company? 4. How can I obtain detailed information on long-term care insurance? Return to Top
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Austin Insurance Group
Austin - Cedar Park (and surrounding Counties) (512) 339-2901 Nationwide 1-800-929-3166 email: aig@texas.net Click for Insurance Quotes:
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