Long Term Care Insurance: The Basics
Many families worry about how they will pay for the costs of care for their senior loved ones. If a senior’s needs are non-medical, options like health insurance, Medicare, or Medicaid will not cover the costs of senior care. Investing in a long-term care insurance (LTCI) policy is one of the best ways to financially prepare for long term care, and it can be a great way to give families peace of mind as their senior loved ones age.
Covers in-home care
Covers Assisted Living Costs
Covers Skilled Nursing
Covers Memory Care Communities
Long Term Care: What is Covered?
Not only does LTCI cover in-home care through home care providers, it also covers other options like assisted living, skilled nursing, and memory care communities. Some of the key components to consider when purchasing a LTCI policy are the benefit amount, the benefit period, and the elimination period.
BY THE NUMBERS
| SKILLED NURSE | $7500/month |
| OXYGEN TANKS | $3000/month |
| GROCERY PICKUP | $500/month |
| IN-HOME CARE | $1500/month |
| HOSPITAL BED | $3000/year |
Let Amada Help You
Making the LTCI investment before a senior’s health changes or emergencies occur will give families more options when the time comes for finding quality care for a loved one.
LTCI Policies can be difficult to navigate, which is why the help of an Amada Senior Care professional can be crucial to getting the most out of your benefits.
OUR PATIENTS SAY
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