Seniorcare & Long Term Care Insurance in Warren, Nj
Understand Seniorcare Insurance Policy Before Purchasing It
Most seniors want to stay in their own homes, where they feel comfortable, safe and close to the things they love. Our seniorcare in Warren, NJ helps your loved one to continue with the normal, daily routine as long as possible. With our help, your parent can continue living at home even when they need some assistance with everyday tasks. Our services cover a wide range of needs, from homemaking and companionship to meal preparation. To promote a functional lifestyle, our dedicated caregivers will help your loved one with bathing, dressing, and grooming.
Long-term care insurance helps seniors pay the costs of seniorcare. When your loved one is deciding which policy is best for them, they should consult their broker. Depending on a policy, they could have a waiting period before they can access their funds. Many policies have an elimination period. If your parent has a 90 day elimination period, they will have to pay the full cost of those first 90 days.
Premiums on long-term care insurance policies increase over time. For policies that don’t have fixed rates, companies can raise the premiums for everyone in a rate class. It doesn’t matter if your loved one’s health might have changed. Make sure your loved one understands any limitations or coverage gaps in their plan. They should know exactly what is and isn’t covered by their insurance policy before the purchase it. Policies define eligibility for benefits in various ways. Make sure your loved one understand how their insurer defines activities of daily living and the disabilities that interfere with them. In almost every case a licensed health care provider has to confirm that senior requires help with two or more daily tasks for 90 days or longer.
For more information on long-term care insurance and paying for seniorcare, please contact our Comfort Keepers office in Warren, NJ.