{"id":3619,"date":"2024-03-05T13:54:28","date_gmt":"2024-03-05T21:54:28","guid":{"rendered":"https:\/\/assistinghands.com\/99\/?p=3619"},"modified":"2024-03-06T14:30:02","modified_gmt":"2024-03-06T22:30:02","slug":"how-do-i-use-my-long-term-care-insurance-to-pay-for-home-care-costs","status":"publish","type":"post","link":"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-do-i-use-my-long-term-care-insurance-to-pay-for-home-care-costs\/","title":{"rendered":"How do I use my long term care insurance to pay for home care costs?"},"content":{"rendered":"<p>Deciding on purchasing long-term care (LTC) insurance is a great start to investing in your future long-term care health care strategy, especially to pay for home care costs that include ongoing caregiver services.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3633 \" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance.jpg\" alt=\"\" width=\"286\" height=\"131\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-300x138.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-1024x469.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-768x352.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-600x275.jpg 600w\" sizes=\"auto, (max-width: 286px) 100vw, 286px\" \/><\/p>\n<p>Purchasing LTC care insurance is not a popular move among many healthy adults who don&#8217;t feel the need for it.<\/p>\n<p>Long-term care insurance is often considered when unexpected circumstances arise that pressure individuals to pay for certain health care costs such as home care that include ongoing caregiver services.<\/p>\n<h3>For aging individuals<\/h3>\n<p>As such, for some aging folks, it may be too late to go through the process of obtaining a LTC insurance policy.<\/p>\n<p>In the grand scheme of things, depending on needs, it may still be cheaper to pay for LTC insurance premiums than to pay out-of-pocket for services such as home care.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-3630 \" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-copy.jpg\" alt=\"\" width=\"312\" height=\"168\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-copy.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-copy-300x162.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-copy-1024x552.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-copy-768x414.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance-copy-600x323.jpg 600w\" sizes=\"auto, (max-width: 312px) 100vw, 312px\" \/><\/p>\n<p>But\u00a0the good news is, home care costs are also tax deductible and counts as qualified unreimbursed medical care expenses that exceed 7.5% of adjusted gross income.<\/p>\n<p>Additionally, consulting with a tax professional is certainly advised for more in-depth information on this.<\/p>\n<h3><\/h3>\n<h3>So how does one use their LTC insurance if they own a policy?<\/h3>\n<p>The LTC insurance carrier will most likely set up an appointment for an intake assessment in person.<\/p>\n<p class=\"p1\">Then, six ADLs are used to measure one&#8217;s physical abilities to determine benefits qualification.<\/p>\n<p class=\"p1\">The law requires tax-qualified policies to pay or reimburse benefits if you are impaired in two out of the following six ADLs:<\/p>\n<ul>\n<li class=\"p1\">bathing<\/li>\n<li class=\"p1\">dressing<\/li>\n<li class=\"p1\">transferring<\/li>\n<li class=\"p1\">eating<\/li>\n<li class=\"p1\">toileting<\/li>\n<li class=\"p1\">continence<\/li>\n<\/ul>\n<h3>What does one do if they&#8217;re denied LTC insurance coverage and\/or don&#8217;t qualify for it?<\/h3>\n<p>Often the denial letter will have key points as to why the denial happened.<\/p>\n<p>It may be just a simple reason one can resolve right away.<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3631 \" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-copy.jpg\" alt=\"\" width=\"322\" height=\"187\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-copy.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-copy-300x174.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-copy-1024x594.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-copy-768x445.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-copy-600x348.jpg 600w\" sizes=\"auto, (max-width: 322px) 100vw, 322px\" \/><\/p>\n<p>Or if the reason is a little more complex, the letter may explain how to resolve the matter to be reconsidered.<\/p>\n<p>If you receive a denial letter, as courtesy, our office can help you with the letter and guide you through the process.<\/p>\n<h3>Caregiver Services<\/h3>\n<p>Our office can provide assistance with activities of daily living (ADLs) services in the privacy of you or a loved one&#8217;s own home.<\/p>\n<p>Our caregivers have experience and training in providing in-home care.<\/p>\n<p>They have successfully passed background checks through the <a href=\"https:\/\/www.cdss.ca.gov\/inforesources\/cdss-programs\/community-care-licensing\/caregiver-background-check\/guardian\">CDSS Guardian System<\/a>, as well as being insured and bonded through the agency, TB test cleared, and being CPR certified.<\/p>\n<p>Moreover, our care plans are individualized to meet your needs.<\/p>\n<h3>Benefits of Home Care<\/h3>\n<ul>\n<li>\n<h5>Freedom and independence<\/h5>\n<ul>\n<li>There\u2019s nothing more valuable than being in your own space and living freely.<\/li>\n<li>Assisted living and\/or nursing homes will limit one\u2019s freedom and independence no doubt.<\/li>\n<li>Why not enjoy your well-deserved freedom and independence in the comfort of your own home by getting home care for you or your loved ones?<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Health and wellness<\/h5>\n<ul>\n<li>Home care promotes authentic healing.<\/li>\n<li>Research shows that\u00a0<em>patients heal more quickly and comfortably at home<\/em> than in an institutionalized setting such as a hospital or nursing home and there is significantly less chance of rehospitalization when recuperation is at home.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Individual attention and respect<\/h5>\n<ul>\n<li>Home care services are delivered one-on-one, which assures <em>more private attention than a nursing home<\/em>\u00a0or a facility.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Family centered care<\/h5>\n<ul>\n<li>Home care supports and\u00a0<em>keeps families together<\/em>.<\/li>\n<li>With home care, families tend to stay more involved with the care and maintain closeness with their loved one(s).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Personalized care<\/h5>\n<ul>\n<li>Our caregivers offer personalized care to the needs of the family and the individual on any given day, whether that need is as simple as being a companion or more complex as with personal care for Alzheimers or dementia.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Cost-effective care<\/h5>\n<ul>\n<li>Home care is\u00a0<em>usually less expensive than costs for a nursing home<\/em>\u00a0or even assisted living.<\/li>\n<li>A good rule of thumb is that 8 hours a day or less of home care will be less expensive than moving elsewhere.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Home cooked meals<\/h5>\n<ul>\n<li>A home caregiver can prepare\u00a0<em>healthy and nutritional meals<\/em>\u00a0specially customized for the individual.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Safe exercise routines<\/h5>\n<ul>\n<li>Implementing a <em>personalized daily exercise program<\/em> with the added safety of a qualified professional such as a physical therapist being present is another option.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>A comfortable setting<\/h5>\n<ul>\n<li>One can never underestimate the benefit and comfort of their own home, whether that be just enjoying a favorite chair or enjoying the daily cup of tea in a familiar corner.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Rides to appointments<\/h5>\n<ul>\n<li>Home care offers accompaniment on\u00a0<em>transportation to and from various appointments<\/em>, social activities or errands, allowing families more free time together as well as additional peace of mind.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\n<h5>Overall satisfaction<\/h5>\n<ul>\n<li>In-home care leads to a\u00a0<em>higher satisfaction with life and dignity<\/em>\u00a0when physical frailty is an immediate factor.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>Common misconceptions<\/h3>\n<p>Often, LTC policy holders may think that their insurance will cover <em>all<\/em> home care costs.<\/p>\n<p>Sometimes, the misconception arises from thinking that Medicare or another health insurance plan will cover home care costs too.<\/p>\n<p>Another is thinking that there will be no out-of-pocket costs.<\/p>\n<p>Whether it be groceries or bills one has to pay perhaps with the assistance of a caregiver, there will always be some kind of out-of-pocket costs.<\/p>\n<p>Sometimes, the family may arrange grocery purchases with the agency. This would be an out-of-pocket cost that the LTC insurance policy wouldn&#8217;t cover.<\/p>\n<p>In addition, if the LTC insurance company caps the amount to pay for home care coverage on a daily or weekly basis, any additional time would be paid out-of-pocket by the client.<\/p>\n<p>But again, some care costs are also tax deductible and counts as qualified unreimbursed medical care expenses that exceed 7.5% of adjusted gross income.<\/p>\n<p>We recommend consulting a tax professional for budgeting and planning to maximize benefits while getting the care services needed.<\/p>\n<h3>Never alone<\/h3>\n<p>So with our caregivers by your side 24\/7, you or your loved one never have to be alone.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3632 \" src=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1.jpg\" alt=\"\" width=\"359\" height=\"149\" srcset=\"https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1.jpg 1080w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-300x124.jpg 300w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-1024x425.jpg 1024w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-768x319.jpg 768w, https:\/\/assistinghands.com\/99\/wp-content\/uploads\/sites\/142\/2024\/03\/LTCinsurance1-600x249.jpg 600w\" sizes=\"auto, (max-width: 359px) 100vw, 359px\" \/>Let someone take care of you so you can be in harmony with your life and family.<\/p>\n<p>Your life is too precious.<\/p>\n<p>Care is our business and responsibility.<\/p>\n<p><a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSd7Mudl9qQgdPqR4tZw5-ixGYBFDAlnop6PdSbkXkOqzq6pGw\/viewform?usp=sf_link\">Refer a friend<\/a> who needs a home care provider.<\/p>\n<p><a href=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/contact-us\/\">Call us<\/a> today for a free assessment and to receive care that you or your loved ones need.<\/p>\n<p>We are located in Placentia, CA in Orange County, in between Fullerton and Yorba Linda, but we also serve our broader surrounding cities and counties, so don&#8217;t hesitate to call us!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Deciding on purchasing long-term care (LTC) insurance is a great start to investing in your future long-term care health care strategy, especially to pay for home care costs that include ongoing caregiver services. Purchasing LTC care insurance is not a popular move among many healthy adults who don&#8217;t feel the need for it. Long-term care insurance is often considered when&hellip; <a class=\"continue\" href=\"https:\/\/assistinghands.com\/99\/california\/yorbalinda\/blog\/how-do-i-use-my-long-term-care-insurance-to-pay-for-home-care-costs\/\">Continue Reading<span> How do I use my long term care insurance to pay for home care costs?<\/span><\/a><\/p>\n","protected":false},"author":185,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[209,202,27,203,51,208,204,206,31,135,29,128,28,218,30,207,205],"tags":[211,210,156,219,9,220,221,222,53,136,63,48,42,127,213,212,214,215,225,38,198,223,224],"class_list":["post-3619","post","type-post","status-publish","format-standard","hentry","category-activities-of-daily-living","category-adls","category-alzheimers-dementia","category-bathing","category-caregiver","category-continence","category-dressing","category-eating","category-elder-care","category-fall-prevention","category-healthy-aging-senior-care","category-home-care-aide","category-in-home-care","category-provider","category-senior-care","category-toileting","category-transferring","tag-activities-of-daily-living","tag-adls","tag-alzheimers-dementia","tag-bathing","tag-caregiver","tag-continence","tag-dressing","tag-eating","tag-elder-care","tag-fall-prevention","tag-healthy-aging","tag-home-care-aide","tag-in-home-care","tag-long-term-care-insurance","tag-ltc","tag-ltc-insurance","tag-ltc-policy","tag-ltc-provider","tag-provider","tag-senior-care","tag-senior-living-facility","tag-toileting","tag-transferring"],"acf":[],"yoast_head":"<!-- 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