Home Page

Supplemental Insurance


Supplemental Insurance Information

What is 'long-term care'?

 Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

There are 2 issues that come with long term care.  It can be expensive (though it's not when you take in to context the costs it is covering), and can have strict underwriting.  For this reason it can be a good reason to offer it through your employee benefit package.  There is a discount through an employer and the underwriting is more lenient.

If you have any questions on long term care give us a call.


HOME ABOUT US GET A QUOTE CONTACT US

15 E 30th Ave | Hutchinson, KS 67502
Phone: 866.348.1197 | Phone: 620.669.5454 | Fax: 620.669.5377

Logo
Powered by Insurance Website Builder
Blog