{"id":14660,"date":"2026-10-09T07:17:27","date_gmt":"2026-10-09T07:17:27","guid":{"rendered":"https:\/\/assistinghands.com\/94\/?page_id=14660"},"modified":"2026-10-21T12:59:52","modified_gmt":"2026-10-21T12:59:52","slug":"long-term-care-insurance","status":"publish","type":"page","link":"https:\/\/assistinghands.com\/94\/colorado\/littleton\/affordability\/long-term-care-insurance\/","title":{"rendered":"Long-Term Care Insurance"},"content":{"rendered":"<p>[vc_row content_placement=&#8221;middle&#8221; el_class=&#8221;ahs-sec ahs-hero&#8221; css=&#8221;.vc_custom_1791100000001{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #e5f7ff !important;}&#8221;][vc_column width=&#8221;7\/12&#8243;][vc_custom_heading text=&#8221;Long-Term Care Insurance &#038; Home Care in Colorado&#8221; font_container=&#8221;tag:h2|font_size:44|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]Paying for in-home care can feel overwhelming, but some families have long-term care insurance benefits that may help cover qualifying home care services.<\/p>\n<p>At Assisting Hands Home Care, we work with families who are exploring their long-term care insurance benefits and need non-medical assistance at home.[\/vc_column_text][vc_btn title=&#8221;Complimentary Consultation: 720-779-0299&#8243; style=&#8221;custom&#8221; custom_background=&#8221;#1b7fc4&#8243; custom_text=&#8221;#ffffff&#8221; size=&#8221;lg&#8221; align=&#8221;left&#8221; link=&#8221;url:tel%3A7207790299|title:Call%20720-779-0299&#8243; el_class=&#8221;ahs-btn&#8221;][\/vc_column][vc_column width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;14698&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; el_class=&#8221;ahs-img&#8221;][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; content_placement=&#8221;middle&#8221; el_class=&#8221;ahs-sec&#8221; css=&#8221;.vc_custom_1791100000002{padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Does Long-Term Care Insurance Cover Home Care?&#8221; font_container=&#8221;tag:h2|font_size:36|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]Many long-term care insurance policies include benefits for home-based care, but coverage varies by policy.[\/vc_column_text][vc_row_inner][vc_column_inner el_class=&#8221;ahs-note&#8221; css=&#8221;.vc_custom_1791542291670{border-left-width: 5px !important;padding-top: 22px !important;padding-right: 24px !important;padding-bottom: 22px !important;padding-left: 24px !important;background-color: #e5f7ff !important;border-left-color: #1b7fc4 !important;border-left-style: solid !important;}&#8221;][vc_column_text]Because policies differ, it is important to contact your insurance company or benefits administrator to confirm your specific coverage.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_row_inner][vc_column_inner el_class=&#8221;ahs-panel&#8221; css=&#8221;.vc_custom_1791542088488{border-top-width: 5px !important;padding-top: 34px !important;padding-right: 34px !important;padding-bottom: 34px !important;padding-left: 34px !important;background-color: #ffffff !important;border-top-color: #1b7fc4 !important;border-top-style: solid !important;}&#8221;][vc_custom_heading text=&#8221;Your policy may specify:&#8221; font_container=&#8221;tag:p|font_size:22|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]<\/p>\n<ul class=\"ahs-check\">\n<li>What types of care are covered<\/li>\n<li>How much your policy will pay<\/li>\n<li>How benefits are calculated<\/li>\n<li>Whether there is an elimination or waiting period<\/li>\n<li>What qualifications must be met<\/li>\n<li>Whether a licensed or approved provider is required<\/li>\n<li>How claims and reimbursements are handled<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; content_placement=&#8221;middle&#8221; el_class=&#8221;ahs-sec&#8221; css=&#8221;.vc_custom_1791100000015{padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;14931&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; el_class=&#8221;ahs-img&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Understanding Benefit Triggers and Elimination Periods&#8221; font_container=&#8221;tag:h2|font_size:36|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]<strong>Benefit triggers:<\/strong> Before a long-term care insurance policy begins paying, the insured person must meet the policy&#8217;s benefit trigger. For most tax-qualified policies, a licensed health care practitioner must certify that the person either needs help with at least two of six activities of daily living (bathing, dressing, eating, toileting, transferring, and continence) for an expected period of at least 90 days, or needs substantial supervision because of moderate to severe cognitive impairment, such as Alzheimer&#8217;s disease. Many policies also require a written plan of care.<\/p>\n<p><strong>Elimination period:<\/strong> The elimination period works like a deductible measured in days instead of dollars. It is the number of days, often 30, 60, or 90, that must pass after the benefit trigger is met before the policy begins paying. Care received during this period is usually paid privately. Some policies count every calendar day, while others count only days when paid care is received. Some policies waive the elimination period for home care. Because these terms vary, check your policy or ask your insurer how your elimination period is counted and what documentation is required. Assisting Hands can help provide the care records your insurer may request.[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=&#8221;ahs-sec ahs-bg-soft&#8221; css=&#8221;.vc_custom_1791100000005{padding-top: 70px !important;padding-bottom: 70px !important;background-color: #e5f7ff !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;What Types of Home Care May Be Covered?&#8221; font_container=&#8221;tag:h2|font_size:38|text_align:center|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Depending on the policy, qualifying benefits may include assistance with everyday activities such as:<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;30&#8243; el_class=&#8221;ahs-grid&#8221;][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000006{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-shower&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Bathing and personal hygiene&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000007{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-tshirt&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Dressing and grooming&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000008{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-restroom&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Toileting and incontinence care&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;30&#8243; el_class=&#8221;ahs-grid&#8221;][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000009{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-wheelchair&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Mobility and transfers&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000010{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-utensils&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Meal preparation&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000011{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-user-friends&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Companionship&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=&#8221;yes&#8221; gap=&#8221;30&#8243; el_class=&#8221;ahs-grid&#8221;][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000012{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-broom&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Light housekeeping&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000013{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-car&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Transportation and errands&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][vc_column_inner el_class=&#8221;ahs-card&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791100000014{padding-top: 26px !important;padding-right: 24px !important;padding-bottom: 26px !important;padding-left: 24px !important;background-color: #ffffff !important;border-radius: 16px !important;}&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-hands-helping&#8221; color=&#8221;custom&#8221; background_style=&#8221;rounded&#8221; background_color=&#8221;custom&#8221; custom_color=&#8221;#1b7fc4&#8243; custom_background_color=&#8221;#e5f7ff&#8221; el_class=&#8221;ahs-icon&#8221;][vc_custom_heading text=&#8221;Other qualifying daily activities, depending on the policy&#8221; font_container=&#8221;tag:h3|font_size:20|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><em>Coverage is determined by the individual policy and eligibility requirements.<\/em><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; content_placement=&#8221;middle&#8221; el_class=&#8221;ahs-sec&#8221; css=&#8221;.vc_custom_1791100000015{padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;14702&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; el_class=&#8221;ahs-img&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;How Assisting Hands Can Help&#8221; font_container=&#8221;tag:h2|font_size:36|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]Our team can discuss your loved one&#8217;s care needs, schedule, and goals, and explain the non-medical home care services we provide.<\/p>\n<p>If your long-term care insurance company has specific provider requirements, we encourage you to confirm those requirements before beginning services.[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=&#8221;ahs-sec&#8221; css=&#8221;.vc_custom_1791100000016{padding-top: 0px !important;padding-bottom: 70px !important;}&#8221;][vc_column][vc_row_inner][vc_column_inner el_class=&#8221;ahs-band&#8221; css=&#8221;.vc_custom_1791100000017{padding-top: 50px !important;padding-right: 40px !important;padding-bottom: 50px !important;padding-left: 40px !important;background-color: #0e4a6b !important;border-radius: 16px !important;}&#8221;][vc_custom_heading text=&#8221;Have Long-Term Care Insurance?&#8221; font_container=&#8221;tag:h2|font_size:38|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text el_class=&#8221;ahs-white&#8221;]<\/p>\n<p style=\"text-align: center;\">If you&#8217;re unsure where to begin, start by reviewing your policy and contacting your insurance provider.<\/p>\n<p style=\"text-align: center;\">Then contact Assisting Hands to discuss your family&#8217;s home care needs.<\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Complimentary Consultation: 720-779-0299&#8243; style=&#8221;custom&#8221; custom_background=&#8221;#1b7fc4&#8243; custom_text=&#8221;#ffffff&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; link=&#8221;url:tel%3A7207790299|title:Call%20720-779-0299&#8243; el_class=&#8221;ahs-btn ahs-btn-light&#8221;][vc_column_text el_class=&#8221;ahs-white ahs-serving&#8221;]<\/p>\n<p style=\"text-align: center;\"><em>Serving Littleton, Lakewood, Highlands Ranch, Denver, and surrounding Colorado communities.<\/em><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row content_placement=&#8221;middle&#8221; el_class=&#8221;ahs-sec ahs-hero&#8221; css=&#8221;.vc_custom_1791100000001{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #e5f7ff !important;}&#8221;][vc_column width=&#8221;7\/12&#8243;][vc_custom_heading text=&#8221;Long-Term Care Insurance &#038; Home Care in Colorado&#8221; font_container=&#8221;tag:h2|font_size:44|text_align:left|color:%230a0a0a&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text]Paying for in-home care can feel overwhelming, but some families have long-term care insurance benefits that may help cover qualifying home care services. At Assisting Hands Home Care, we work with families who are &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/assistinghands.com\/94\/colorado\/littleton\/affordability\/long-term-care-insurance\/\"> <span class=\"screen-reader-text\">Long-Term Care Insurance<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":174,"featured_media":0,"parent":14804,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-14660","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/pages\/14660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/users\/174"}],"replies":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/comments?post=14660"}],"version-history":[{"count":26,"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/pages\/14660\/revisions"}],"predecessor-version":[{"id":14662,"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/pages\/14660\/revisions\/14662"}],"up":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/pages\/14804"}],"wp:attachment":[{"href":"https:\/\/assistinghands.com\/94\/wp-json\/wp\/v2\/media?parent=14660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}