We ensure COVID-19 safe business practices.
Help at Home Senior Care logo
(530) 885-7444

Millions of Americans struggle with the decision of whether their senior parents are able to afford long-term care. Monetary issues can be a sensitive subject matter, and when it is time to begin giving thought to long-term care needs, holding an open and honest dialogue about how to financially prepare for long-term care services is essential.

To that end, our home care team has put together the following questions to help you get started:

Preparing ahead for long-term care is vital, and best accomplished while your parents are independent and thriving. Gaining an understanding of their finances now will help you be better prepared for their care in the future.

At Help at Home Senior Care, we understand that conversations about elder care and finances can be difficult, and we’re always available to help. Contact our home care experts at (530) 885-7444 to learn more about our home care in Grass Valley, CA and other nearby communities.

Long-term care insurance can provide great peace of mind, but utilizing those benefits can turn out to be a complex undertaking for older adults and their family members. To help steer families through this process, here is an informative overview from the experts at Help at Home Senior Care.

Exactly what services are covered?

Ahead of submitting a claim, it is important to thoroughly read the long-term care insurance policy so that you can gain an understanding of the types of services the policy covers. If you do not have a copy of the policy, contact the provider to request one.

Even though all policies vary in what they cover, long-term care insurance normally covers non-medical services at home, provided assistance is necessary with a minimum of two or more activities of daily living, or the policyholder has been diagnosed with some type of cognitive difficulty, such as Alzheimer’s. Examples of the kind of care that long-term care policies may cover are:

If you or a senior loved one is in need of help understanding the specifics of the policy, an insurance agent, elder care attorney or financial planner may be helpful.

Will all of the costs for care be covered?

While specific plans vary, each plan outlines the allowable monthly coverage, which is identified as the “present daily allowance,” and often includes a lifetime maximum ceiling. Policies also generally identify a particular duration of time for which the benefits are accessible, such as five years, or if the coverage is in effect for the remainder of the policyholder’s lifetime.

It’s also essential to review the long-term care plan’s elimination period. The elimination period is the time during which the cost of care needs to be paid out-of-pocket initially, until a specific amount of time has gone by. Though some plans specify a zero-day elimination, which means cost of care and coverage begin immediately, other policies can require as much as 120 days of care first.

Pick your care provider very carefully.

If you plan on filing a claim for long-term care insurance, it’s vital to work with a home care company with experience in billing long-term care insurance providers; otherwise, there is the potential that the claim might not be completely reimbursed. Help at Home Senior Care has experience with helping families access their long-term care insurance benefits and can provide the documentation required to help clients file claims correctly.

How can claims be filed?

In order to file a long-term care insurance claim, the following documents are normally necessary:

After the claim has been completed and submitted, a phone interview is scheduled with the insurance company’s claims department, and after that the claim is either accepted or declined.

If you are seeking to receive home care services through a long-term care policy, reach out to Help at Home Senior Care. You can feel confident in knowing that we have years of experience in not just supplying expert care in the comfort of home, but also in aiding families with long-term care insurance claims and receiving the most out of their plan. To learn more about our respite care in Lincoln, CA and other nearby areas, call our team at (530) 885-7444.

Even though the yuletide season is usually viewed as a time that is joyful, full of visiting family and friends who are nearest and dearest, and finding the perfect gifts, for seniors, it can be anything but merry and bright. A blend of loved ones lost, memories of holidays past, health issues, and more can hit seniors with emotions of loneliness and sorrow. 

Help at Home Senior Care, professional provider of home care and dementia care in Lincoln, CA and nearby areas, cares deeply about making certain that older adults feel included in the celebrations and enjoy the holidays to the fullest. These guidelines for fun holiday activities for seniors can help everyone enjoy the wonder of the holiday season together:

Safety precautions may also come into play for the older adult, for a variety of reasons: heightened fall risks with all of the extra holiday decorations, difficulties sticking to a prescribed dietary plan, and for those with dementia, interruption to routine, additional visitors to the home, and higher noise levels can all lead to stress.

Keep the following in mind to be sure older adults remain safe and content:

The holiday season can certainly be fun and relaxing for everyone. With just a little pre-planning and additional thought, older individuals will enjoy the holidays as much as everyone else, creating new memories that the whole family will take pleasure in for a lifetime.

And, if in the middle of the holiday hustle and bustle you could use the support of professional home caregivers to provide home care or dementia care in Lincoln, CA or the surrounding area, Help at Home Senior Care is on hand to help! Contact us online or call us at (530) 885-7444 to learn more about how we can support you and your family and for more ideas for fun holiday activities for the elderly to enjoy this holiday season.

The holidays are loaded with get-togethers, parties, and celebrations. Yet for older adults, holiday outings call for a little additional planning. Follow these guidelines from the caring professionals at Help at Home Senior Care, providers of in-home respite care services in Grass Valley, CA and surrounding communities, to enjoy relaxed and fun outings with loved ones of all ages this season.

Before leaving the house to enjoy holiday activities for seniors, think about:

Be certain to prepare for a wide variety of possible plan changes:

Need some holiday outing suggestions that seniors will take pleasure in? Consider the following:

When participating in any holiday activities for seniors, take things slow, and create a relaxing environment to make sure loved ones are comfortable and content. Help at Home Senior Care’s in-home respite care in Grass Valley, CA and surrounding areas can offer support and boost a senior's independence while providing high-quality in-home care over the course of the holiday season and all through the year! Contact our dedicated senior care professionals online or at (530) 885-7444 to learn more. 

© 2023 Help at Home Senior Care, All Rights Reserved.

Privacy Policy and Terms of Use

Website by corecubed.