Massachusetts Elder Care Options

Long Term Care Insurance
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One in three people who purchases a Long Term Care Insurance Policy will actually use need to use it.  With round the clock care costing around $12,000 per month unless you have extensive personal resources you should absolutely consider purchasing it.

Long term care insurance is a product you need to buy sooner rather than later.  You don't want to wait until you get diagnosed with some disease that precludes you from getting it.  You also want to be sure you are purchasing it from a company that will still be around when you need to use it.

Most long term care policies require a person to need help with at least two of the activities of daily living.  These include bathing, getting dressed, eating, transfers, toileting and walking.  Most policies will also cover you in the case of cognitive decline.

If your parents have a long term care policy you should become familier with its requirements well before they need to use it.  Does it allow in home care (many older policies don't) and how long does it cover.  Additionally you must be very familer with the requirements to trigger payouts.

Almost all policies have a waiting period before payouts can begin.  If you fail to meet the requirements to start those waiting periods you may find that none of the payments you have made qualify towards the policy required waiting period.

Generally most long term care policies require a doctor's order for in home care covering at least two of the activities of daily living.  This doctor's order needs to be specific and specify the number of days of care and the amount of time required.

 With that doctor's order in hand you can approach a qualified home health agency to document a Plan of Care.  This Plan of Care will need to be supported by daily log notes maintained by the Caregivers.

Generally you will find that the long term care policy requires either 90 or 120 days of payments by the insured before they will start coverage.  As long as you can show that the service was initiated under an original doctor's orders and the appropriate documentation was maintained showing the care was delivered you should be in good shape to make a claim against the policy.

It is important that the Doctor's order be up dated anytime there is a change in condition especially if the number of hours of home care are being increased.  Without this documentation it is likely a future claim will be denied.