Here are 5 questions everyone should ask about Long Term Care Insurance whether they already have a Long Term Care policy or are looking to purchase one.

1. What Services does Long Term Care (LTC) Pay For?

- Private In-Home Care (Home Care Agency)
- Adult Day Care Center (Senior Day Care Center)
- Assisted Living Facility
- Skilled Nursing Facility (Nursing Home)

2. How do You Qualify for Long Term Care Insurance?

Typically someone will need to demonstrate to a Registered Nurse (RN) that they need help with two or more activities of daily living (ADL's) which include:
- Dressing
- Eating (help with eating and feeding)
- Toileting (someone who needs helps on/off the toilet)
- Transferring (someone who needs help in/out of their wheelchair or in/out of bed, etc.)
- Incontinence Care
- Bathing

3. What is an Eligibility or Elimination Period?

In most cases, you will have to pay for long term care services out of pocket for 30, 60 or 90 days before the insurance carrier will reimburse you for care.

4. How much does Long Term Care Insurance Pay?

The amount covered depends on the policy but most policies will have a predetermined daily, weekly or monthly dollar amount that they pay depending on the policy and the service that is covered by the insurance.

(For example: a policy may pay $50/day to an adult day care center, $300/week for in home care, $1,500/month for assisted living or $200/day in a skilled nursing facility. Each policy is different and the benefit amount will vary depending on the person and the policy purchased.)

5. How Long does Long Term Care Insurance Pay for Services?

We have seen old policies that include a lifetime benefit which will pay for services until the policyholder passes away. However, most policies will have a 2, 3 or 5 year expiration period others may have a maximum dollar amount covered.

To learn more about your long term care insurance policy, please consult with your insurance professional.

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ABOUT - SENIOR SOURCE

We help families navigate the confusing "World of Senior Care" and find local resources for their aging parents, spouse or loved one.

Give us a call (941) 677-7233 and we’ll send you a FREE copy of Florida’s 5-Step Guide to Senior Care. For more information and resources, visit:

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ABOUT - CHELSEA PLACE SENIOR CARE

Chelsea Place Senior Care was founded in 2011 by Kris and Chelsea Chana. Kris named the company in honor of his wife, Chelsea. They lived inside the assisted living facility for the first 3.5 years of their marriage.

Chelsea Place recently received the 2019 Best of Assisted Living award and a deficiency free state survey. Since then, they have opened a senior day care center and a home care agency.

They have a massive vision to revolutionize senior care and are in the process of opening 100 senior day care centers, 25 assisted living facilities and 12 home care agencies over the next 10 years.

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