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UnCategorized A long-term care policy is a supportive treatment and care given to a patient who needs continuous help due to persistent illness or cognitive disability. This may be applicable regardless of where the patient is confined whether in a nursing home, respite care, hospice care, assisted living facility, or home health care as long as he qualifies for the coverage. Old age is something that nobody can get away with. As time passes by, illnesses start to appear, which in return may cause disability. Since hospitalization is expensive, you need to protect your savings from being drained through acquiring insurance with very high premium. For elderly, the ideal protection to get is the one with long-standing care since you can’t tell how often you need help especially if you are suffering from a chronic condition. What is a long-term care policy This is insurance that is intended to cover continuing services. This is a good way of saving big bucks in case you suffer from chronic illness, which requires longer treatment care. Coverage Since this is a comprehensive policy, it should mean covering most of the activities of daily living (ADLs) such as ambulation, dressing, eating, personal hygiene, and transfers. The policy is applicable to any of the following conditions such as those in nursing home, hospice care, assisted living facility, and even in your own home. Since every insurance company has different policy governing activities of daily living; therefore, you should go those whose policy takes effect in case 1 or 2 of the ADLs are limited. Nursing home It is known for several names such as convalescent home, skilled nursing unit, and rest home. To qualify under this facility, you should be at least 18 years of age onwards suffering from a significant difficulty in performing ADLs. It is also expected that patients will receive necessary rehabilitative procedures such as physical, respiratory, speech, and occupational therapy. Respite care An alternative to permanent facility is the respite care, which provides a temporary care for the disabled patient. Each patient is given an undivided attention when it comes to support and care. Hospice care This is a temporary shelter provided to anybody who seek refuge such as travelers, dying, sick, and injured. Its main objective is to give immediate alleviation of suffering rather than cure the existing disease. This is to help them attain a worth-living life despite their condition. Assisted living facility An assisted living facility is a shelter, which resembles a residential home or a large institution where continuing care for elderly is provided due to inability to perform basic activities; thereby, hinders independent and safe living. Although 24-hour supervision is not necessary, services such as assistance in medication as well as personal hygiene are no longer feasible. Home health care Also known as domiciliary care, home health care is a supportive treatment given to an individual while, he stays in his home. This may include care from a medical doctor, nurse, physical therapist, social worker, and caregivers. How are rates determined In general, long-term care is much costly than any other kind of insurance. This is due to the significant period of coverage, which can last up to several years. Although the rates may differ, they have 6 main factors as their basis in determining the rates namely: age of the insured, duration of coverage, daily pay out, waiting period, rating of health, and the premium protection. However, cost may also vary due to the discounts given as well the chosen mode of payments such as monthly, quarterly, semi-annual, and annual. The more frequent the payment is, higher the premium will become. If you want to get a quotation for free, you may contact your insurance company or browse through the net for comparison. No matter how comprehensive the kind of care given, it is always best to remember that health is as important as wealth. Therefore, you need to take care of it as early as you can to avoid occurrence of diseases in the future. About the Author: 相关的主题文章: