long term care ins & Assisted living

Does long-term care insurance pay for assisted living communities or just nursing homes?

Seniors and their adult children often believe long-term care insurance only helps finance a nursing home. In fact, many policies pay for in-home care and assisted living care as well.

Long-Term Care insurance is specially designed to cover assisted living need. For example, long-term care insurance typically covers the cost of care services:

• Personal Non-Medical and Medical-related care received in the home or facility.
• Adult Day Care Services
• Respite Care
• Living in a Assisted Living Community or Home
• Skilled Nursing, Intermediate Care, delivered in nursing homes

Long-Term Care insurance policies may also offer:

• Case management and care coordination services
• Benefit to train a relative or friend to provide informal care for the insured
• Memory care living facility
• Coverage for home medical equipment
• Home modification benefit so the insured's home can be made suitable for them to stay in rather than moving into an assisted living home or community

Review your senior loved one’s insurance policy or call us to help you review and clarify what levels of care are covered and what the daily rate is for each.

Americas Top Assisted Living Resources
www.assisted-living-resources.com
​480-795-7776