Long-Term Care Insurance & Seniorcare in Fredericksburg, VA
Find out about senior care financing options
Whether your loved one needs the help of our dedicated caregivers 24/7, or for just a few hours a day, we are here for them. Comfort Keepers of Fredericksburg, VA can provide customized senior care tailored to your loved one’s needs. Nursing homes or assisted living facilities don’t include personalized care and are more expensive than home care. If your loved one is recovering from surgery, they will be able to heal a lot faster in their own home than in a hospital. Our dedicated caregivers can assist your loved one with everyday tasks such as showering and bathing, washing their hair, toileting, running errands, going shopping or preparing meals. Our home care providers could also inspect your loved one’s home for fall hazards and recommend you install grab bars, handheld showerhead, or put non-slip rugs in the bathroom.
There are several options for financing senior care services. Long-term care insurance can help your parents pay the costs of in-home care. However, coverage is pretty expensive, so if your loved one doesn’t have a steady income, maybe they should find another way of financing home care services. As your loved one gets older, the premiums will get higher. According to The Wall Street Journal, a 55-year-old single adult can expect to pay $2,065 a year for $162,000 in benefits with 3-percent compound inflation protection.
Not all long-term insurance policies are the same, so make sure to read the fine print. Look for the policy which will cover your loved one’s care services. Be careful when buying insurance, as some policies cover only specific types of long-term care and others cover a wide spectrum of care services. Comfort Keepers of Fredericksburg, VA recommends consulting a financial planner before making any decisions.
If you have any questions about financing senior care services, call us at (540) 205-8743 and we will be happy to answer any questions.