Long Term Care Insurance

Aging in place in one’s own home is a popular choice by many seniors. With some assistance from DignityFirst, we can make it happen.

When you require assistance to stay at home, long term care insurance can often be the financial source that helps pay for services. Most long-term care is provided at home. Other kinds of long-term care services and supports are provided by community service organizations and in long-term care facilities.

DignityFirst Health at Home is a preferred provider for many long term care insurance policies. If you have a policy and are looking for information on how to use your long term care benefits call us at 720-274-9600. We have an extensive background in understanding long term care insurance.

Here is some general information about Long term Care Insurance

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.
You can select a range of care options and benefits that allow you to get the services you need, where you need them.
The cost of your long-term care policy is based on how old you were when you purchased the policy, the maximum amount that a policy will pay per day, the maximum number of days (years) that a policy will pay
The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay. Some Long-term care insurance policies have optional benefits, such as benefits that increase with inflation
If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting.
Most long-term care is provided at home. Other kinds of long-term care services and supports are provided by community service organizations and in long-term care facilities.

In home and community-based settings, you should have the ability to participate or direct the development of a service plan, provide feedback on services and activities, and request changes as needed. These oversight services are provided by a Geriatric Care Manager which DignityFirst Health at Home has on staff.

Aging in Place at Home

Most people prefer to stay in their own home for as long as possible. When planning to receive long-term care in your home consider the layout and condition of your home. Does your home need to be modified to accommodate a wheelchair or other devices/equipment as needs change? These are considerations for aging in place at home.

As part of aging at home there is also the familiar feel of being in the neighborhood you know, and have known for years. The familiar community and memories associated with a family home is often preferred by the older adult. DignityFirst Health at Home caregivers are trained and prepared to make aging in the home the comfortable solution for long term care.

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Long Term Care Insurance