Are You Covered by Long-Term Care Insurance?
If you, or a family member, have Long-Term Care (LTC) insurance, you might be in a position to significantly offset the costs associated with home care services. Grasping the nuances of your insurance policy is crucial before submitting a claim, and Modern Vintage Home Care in Houston stands ready to guide you through this process.
Navigating the Long-Term Care Insurance Claim Procedure
As the demand for long-term care has surged over the past few decades, encompassing a broad spectrum of services, Long-Term Care Insurance (LTCI) has emerged as a vital solution for covering these needs. Nonetheless, navigating the claim process can appear daunting and intricate for many policyholders, filled with various steps to achieve approval.
Eligibility for Initiating a Claim May Include:
The need for assistance with two or more Activities of Daily Living (ADLs), such as eating, dressing, bathing, toileting, transferring (getting in and out of a bed or chair), and maintaining continence.
Cognitive impairment in the individual requiring care.
Considerations Before Filing a Claim:
What is the duration of my elimination period*? Does it count calendar days or service days? Is there a specified minimum number of hours per day required for it to be considered a day of care?
How many ADLs must I need assistance with to qualify for benefits?
What are my daily, weekly, or monthly benefit limits? What is the total benefit my policy provides?
Will I need to continue paying premiums once my policy is activated?
If my need for care ceases or if I am hospitalized, does my elimination period reset?
Contact Modern Vintage Home Care in Houston today at (832) 662-8236 to arrange a consultation. Discover how we can assist you in leveraging your long-term care insurance policy to its fullest extent. Your well-being and peace of mind are our utmost concern!
*An elimination period refers to the time span during which policyholders must cover their own medical expenses before their insurance benefits commence.
Modern Vintage Home Care
3 Sugar Creek Center Blvd #100
Sugar Land, Texas 77478
Phone: (832) 662-8236