Using Long Term Care Insurance for Home Care

Using LTCi Benefits for Home Care

Serving Residents of Chicago’s North and Near North Side Communities including the Gold Coast, Andersonville, Lakeview, Lincoln Park, Edgewater, and Streeterville.

In order to qualify to receive Long Term Care insurance (LTCi) benefits, most policies require a policy holder to need assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. Standard LTCi policies include 5 or 6 of the following ADLs:

Ambulation (mobility and transfers)
Bathing and Showering (washing the body)
Grooming (including brushing, combing, and styling hair or personal hygiene)

Feeding (not including chewing or swallowing)
Dressing
Toileting (completing the act of urinating and defecating)

Long Term Care Insurance Claim Payment Secrets

Mitch Abrams, Managing Director of Homewatch CareGivers Chicago North, was recently interviewed by LifeHealthPro.com to get his insight on the subject of Long Term Care insurance and what his top-rated Chicago area home care agency does to assist clients in using these LTCi benefits to pay for in-home care services.

“About 42 percent of our clients have some kind of private LTCi coverage, compared with a percentage of about 5 percent to 10 percent at a typical home care agency”. says Abrams. “We have developed a very good system for seeking reimbursement from private Long Term Care insurance (LTCI) companies”.

Click here to read the complete article entitled “5 Long Term Care Insurance Claim Processing Secrets.”

The high use of private LTCi is partly the result of the fact that the home care agency is based in Chicago and Northbrook, IL, and operates in affluent North and Near North Side Communities in Chicago. The agency has a high percentage of private LTCi patients because it takes responsibility for filing LTCi claims with insurers and resolves problems with claim payments.

If you need the help, we can get you qualified and approved for service. The home care services we provide using LTCi benefits are flexible and based on the client’s individual needs and requirements. We can structure our service delivery and manage the experience in accordance with the daily benefits. We work to maximize lifetime payout while minimizing out-of-pocket expenses.

Contact us to find out how easy we can make it for you to receive care using your LTCi benefit.

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Your Trusted Source for Long Term Care Insurance Assistance and Advise

The Home Care Spot offers assistance with long term care insurance for our clients. In addition to proving free LCTi policy evaluations and free processing of home care claims for individuals with long term care insurance benefits, we can also provide free quotes for long term care insurance throughout Chicago’s north side and near-north side communities. We provide in-home care, senior care, Alzheimer’s and dementia home care as well as disease-specific care services to residents of Andersonville, Buena Park, Dearborn Park, DePaul, Edgewater, Gold Coast, Goose Island, Grant Park, Lakeview, Lincoln Park, Magnificent Mile, Margate Park, Millennium Park, Old Town, Park West, Printers Row, Ranch Triangle, Ravenswood, River North, Rogers Park, Streeterville, Uptown, Wrightwood and Wrigleyville.

Working as your trusted source for Long Term Care insurance assistance, we work with all major Long Term Care insurance providers and are proud to accept your Long Term Care insurance as a method of payment for home care services. From free Long Term Care insurance policy evaluations to free processing of home care claims, we work hard to ensure our clients receive all of their Long Term Care insurance benefits.

“Please pass on our happiness with our caregiver, Eloina. She is thoughtful, warm and friendly, helpful, prompt and kind. She’s always willing to help and just a delight. We leave town for the winter and sure hope you can get her back here again when we return.”

Fran and Mel G

“You are a very good agency. Pleased with your continued interest in our loved ones. Our caregiver is most creative, takes my husband to different places, weather permitting, like parks, botanical gardens, Garfield Park conservatory, planetarium, etc. and on some cold rainy days to the malls to just walk.

J. G. and Family

I am writing you today to tell you how pleased I am with the care my mother is getting from her caregivers Annette and Shirley…I have found them to be conscientious, helpful, and consistent in their work…They both have shown initiative, and have gone above and beyond in caring for my mother…I appreciate all the work everyone at Homewatch has had to go through to get this team in place.

Dave S.

Thank you for your kindness. People like you make the world a nicer place in which to live.

Lenore

Your generosity made a tremendous difference in the quality of our sister’s final months. Thank you from the bottom of our hearts!

Betty, Kathy and Dan

I wanted to say thank you for the wonderful care and support your team showed to my parents, especially Altan, Suzanne and Betty. The attention they paid towards them and our family was such a comfort. We knew that they were in safe and experienced hands. While our time with your group was short I know my parents and our family benefited from all of you. Best wishes.

Barbara C.

Thanks to your entire staff for the care John received over the past 15 months. The caregivers were all attentive, caring, professional, knowledgeable and, above all, kind.

Lynn H.

I wanted to thank you again for your help and kindness during my family’s time of need. My dad’s life is a little more comfortable being able to remain in his house. You really are a friend. I am very grateful.

Wayne N.

I am a veteran of World War II, being most fortunate to have Kent fill my needs of a caregiver. He is reliable and responsible. Thank you for your cooperation and for the excellent assistance of Kent.

David K.

“Tamika has been a caregiver for my mother, Yolanda, since 2011…she truly knows the meaning of caregiving, and my mother, my brother, myself and my daughters all consider Tamika to be a gift in our lives. We deeply appreciate her caregiving for Yolanda.”

Christine I.

“I wanted to say thank you for the wonderful care and support your team showed to my parents…we knew they were in safe and experienced hands.”

Barbara C.

“Many thanks for the wonderful services you provided to my mother…I really commend Homewatch on the quality of service and the caring attitudes of those I worked with.”

Lucile K.

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