What is Long Term Care & Do You Need Long Term Care Insurance?

The Basics of Long Term Care

Long term care is often confused with other forms of medical care because it includes a wide range of medical and support services in a variety of settings. We have created this section to help you better understand the basics of long term care, including:

What is Long Term Care and Who Needs It?

long term care insurance chicago north side Long term care is care that you need if you can no longer perform everyday tasks (activities of daily living) by yourself due to a chronic illness, injury, disability, or the aging process. Long term care also includes the supervision you might need due to a severe cognitive impairment (such as Alzheimer’s disease).

This type of care is not intended to cure you; it is chronic care that you might need for the rest of your life. You can receive long term care in your own home, a nursing home, or another long-term care facility, such as an assisted living facility.

People often confuse long term care with disability or short-term medical care. Long term care is not:

Care that you receive in the hospital or your doctor’s office
Care you need to get well from a sickness or an injury
Short-term rehabilitation from an accident
Recuperation from surgery

Where are Long Term Care Services Received and Who Provides Long Term Care?

Many people think all long term care is provided in nursing homes. However, long term care is most often provided at home, in adult day care facilities or in assisted living facilities.

Who Provides Long Term Care?

Most long term care services are provided by family members and friends. This type of care, informal care, also includes long term care services provided by unlicensed caregivers who are not arranged or supervised by a home care agency.

Care can also be provided by professionals trained in the field of long term care. This type of care, formal care, is provided by a home health aide, in-home caregiver or homemaker arranged or supervised by a home care agency or provided by a nurse or therapist.

The Basics of Long Term Care Insurance

What is Long Term Care Insurance (LTCi)?

Long Term Care insurance is an insurance product which pays for long term care services in many settings, such as at-home, a nursing home, assisted living facility, and adult day care facility.

Learn More About Long Term Care Insurance

How Much Does Long Term Care Cost?

The cost of Long Term Care varies greatly, depending on the type of care, the place provided, and the region where you receive your care.

Learn More About the Cost of Long Term Care

Long Term Care Insurance Benefits Overview

There are a variety of LTCi benefit option policy rules and features available, which can vary by state and company providing the policy. Trying to determine if you have appropriate coverage for home care or processing Long Term Care insurance claims can be extremely confusing and time-consuming.

If you need help determining whether or not you or your loved qualifies for home care services under their current insurance plan, we can help.

Learn More About Free Long Term Care Insurance Evaluations

Using Long Term Care Insurance to Pay for Home Care

In order to qualify to receive Long Term Care insurance benefits, most policies require a policy holder to need assistance with at least two activities of daily living (ADLs) or have cognitive impairment. If you need the help, we can get you qualified and approved for service.

Learn More About Receiving Care Using Long Term Care Insurance

Long Term Care Insurance Claim Processing

Do you need help initiating a Long Term Care insurance claim or require assistance completing the paperwork and processing the weekly ADLs forms? We help our clients attain approval and maximize the value of their LTCi benefits with our free support services.

Learn More About Our Free Long Term Care Claims Processing Service

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.

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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.

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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.

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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.

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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.

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