Here at Long Term Care Resources – Pacific Agency (LTCR Pacific) we emphasize to our clients that long term care insurance (LTC Insurance) is not a luxury. It is the best way to make sure you are receiving not just the proper amount of care when you’re in need of ongoing support – but also the care that you want and the care you deserve.
Most of the time, people assume that LTC insurance is here to cover things like nicer nursing homes. While that is an option available to you, LTC insurance typically offers something much better: choice.
Specifically, the choice to stay at your own home for longer, even when you’re in need of long term care.
The Possibilities of Long Term Care Insurance
One thing that long term care insurance may cover, depending on your policy, is flexibility to cover the type of care you desire. For example:
- Some policies offer cash payments that can be used to pay for at home nursing.
- Some policies will pay monthly for personal care services – such as a home nurse or someone to help with bathing and meeting basic needs.
- Some policies will cover care coordination – a nurse or medical professional that will make sure that your needs are all met.
Most importantly, when possible, these policies make it possible for you to stay in your own home while still getting you the care you need.
There are also riders (additional policy options) that can be added to your policy to help pay for additional types of professional home healthcare, no elimination period, and much more.
Every situation is different. But if you’ve always imagined growing older in your own home, even as your medical needs change, long term care insurance can make that a possibility.
Let’s Start a Conversation
Here at LTCR Pacific, our goal is to connect you with the LTC policies that make the most sense for your needs. For those that have always imagined that they’d live out their days in the home with all of their memories, LTC insurance makes that possible. Reach out to LTCR Pacific today and let’s help you understand your policy options.