Long Term Care Policies and Home Care

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When you need home care and want to use your long-term care insurance; Champion can guide you through the process. Before you can start using your benefits, most insurance companies will review medical documents from your doctor and may send a nurse to do an evaluation. Long-term care policies usually determine that you’re eligible for benefits when you can’t do at least two out of six “activities of daily living,” called ADLs, on your own or you suffer from dementia or other cognitive impairment. The activities of daily living are:

  1. Bathing.
  2. Dressing.
  3. Eating
  4. Toileting (getting on or off the toilet).
  5. Caring for incontinence.
  6. Transferring (getting in or out of a bed or a chair).

Under most policies, you’ll have to pay for long-term care services out of pocket for a certain amount of time, which can range from 30, 60 or 90 days, before the insurer starts reimbursing for any care. This is called the “elimination period.” Our staff can:

  1. Talk with your insurance company, determine your benefits for home care, identify elimination periods.
  2. Clarify daily and monthly maximum allowance and calculate services that can be provided with no out of pocket expense.
  3. Help you conserve finances during elimination period.
  4. Bill your LTC and provide requested documents such as care plans and visit notes so you have more time for yourself and less stress.

Champion doesn’t require a credit card hold or a sign-up fee. A Champion nurse will meet with you, at no charge, to discuss your needs, develop a care plan, and match you with a caregiver.   If you have any questions or would like to talk to one of our nurses in the privacy of your home, call our office at (772) 257-0442.

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