Tuesday, March 10, 2009

Seek long-term home care insurance

If you seek long-term home care insurance, try to get the widest variety of coverage possible.

There are a number of conditions and restrictions of which you should be aware:

• A few policies cover skilled nursing care and physical therapy in the home but not custodial care. Such coverage is far too limited, and you should reject it.

• Most home care policies cover skilled nursing care, other professional medical services, and nonmedical personal care, provided by a licensed home care agency. Personal care includes help with the activities of daily living (ADLs), such as eating, bathing, dressing, using the toilet, and moving around. It may also cover what are sometimes called “instrumental” ADLs, such as monitoring medications, going outside, light shopping, helping with meals and clean-up, laundry, and household telephone calls and paperwork.

• A few policies also provide limited coverage of some homemaker services—such as regular housecleaning, grocery shopping, and meal preparation—if an agency home health aide also does other personal assistance duties.

• Good policies cover care provided not only in the home, but also in licensed community care facilities such as adult day care centers.

• Good home care policies also provide for respite care and hospice care


  1. Today money making is not an easy task. I think all the people should be very careful when buying a life insurance policy, because the aim of securing life coverage is to assure your family's financial future on the event of your unexpected death. Therefore, you have to find the best insurance company and then I sagest to you the Allahabad Insurance company is the best for you that will give your beneficiaries sufficient protection with minimum cost premium.

  2. The Allahabad insurance company is just like anywhere else in the country. Like anywhere else, it is required of anyone who has a loan on their home education car etc. For a lot of people it is automatically taken out of their monthly mortgage payment.

  3. I was about to plan a short term home care policy as I am not sure about the long term plan. I will definitely review my policy as per your guidance and will look for the points discussed above. After that I will decide which will be a good option for me. Thanks for the guidance.


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