"Long Term Care Insurance can cover the costs of Assisted Living, Homecare or a Nursing Home; plan for the future"
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Archive for the ‘Long Term Care Insurance’ Category
Monday, January 3rd, 2011
Providing home care for a person with a mental and/or physical disability is always challenging; however, for a person with dementia, especially Alzheimer’s dementia, providing home care is especially difficult because the disability usually worsens over time. As such, the primary caregiver will eventually require a substitute caregiver in order to take care of personal business, to run errands, or simply to take a respite from daily caregiving responsibilities. (more…)
Tags: california, caregiver, caregiving strategies, Home Care
Posted in Degenerative Disease, Home Care, Long Term Care, Nursing Home Alternatives | No Comments »
Saturday, November 20th, 2010
In the state of Texas, long term care can be quite expensive, ranging from $900 to $3,000 per month for care in an assisted living facility, and from $150 to $200 per day for care in a nursing home. How can one cope with such high costs? (more…)
Tags: assisted living, long term care, Long Term Care Insurance, skilled nursing
Posted in Care Costs, Long Term Care, Long Term Care Insurance, Medicaid, Medicare, skilled nursing | No Comments »
Wednesday, November 10th, 2010
Up to 70% of individuals over the age of 65 will require long term care and/or skilled nursing at some point in their lives. In the state of Florida, nursing home care can cost up to $77,000 annually. Many states, including Florida, have expanded their long term care partnership programs to offer individuals a means of paying for their long term care needs. As a result, individuals who have a qualifying long term care insurance policy can obtain Medicaid coverage for their long term care needs without having to spend almost all of their assets first. This is important because Medicaid requires that an individual spend down to $2,000 of his/her own assets in order to qualify for state-funded long term care coverage. (more…)
Tags: long term care, Long Term Care Insurance, nursing home, skilled nursing
Posted in Long Term Care, Nursing Homes, skilled nursing | No Comments »
Saturday, October 30th, 2010
A recent article in the University of California’s California Agriculture journal, entitled “The Golden State goes gray: What aging will mean for California,” explores the looming issue of undertrained and overburdened in-home caregivers and the growing elderly population. (more…)
Tags: california, caregiver, caregiving, eldercare, Home Care
Posted in Elder Care, Home Care, Long Term Care, caregiving | 1 Comment »
Sunday, October 24th, 2010
Skilled nursing is a term often used to describe the level of care provided at various nursing homes and other long term care facilities in the state of Virginia. However, what really qualifies as skilled nursing? What type of staff is required to designate a facility as a skilled nursing facility (SNF)? Finally, what medical conditions are best suited to the care of a skilled nursing staff? (more…)
Tags: long term care, Nursing Homes, skilled nursing, Virginia
Posted in Long Term Care, Nursing Homes, skilled nursing | No Comments »
Thursday, October 14th, 2010
Informal caregivers can be friends, neighbors, or relatives who provide assistance and, quite often, long term care to an individual who is either physically and/or mentally incapacitated and needs help with the tasks of daily living. Such caregivers are termed informal because they are not paid for their services. Yet, who are the typical informal caregivers in the state of New York, and what are their concerns? (more…)
Tags: caregiver, caregiving, long term care, New York, nursing home
Posted in Long Term Care, Nursing Home Alternatives, caregiving | No Comments »
Sunday, October 10th, 2010
New York assisted living facilities (ALFs) are in trouble. There are two types of assisted living programs in the state of New York: the licensed assisted living residence, which caters mainly to privately funded clients, and the Assisted Living Program (ALP), which caters to Medicaid-supported clients. The problem lies with the two-tiered system that has been created by the state of New York: one system caters to the rich, while the other caters to the poor. In many cases, there is a glaring discrepancy in the types of amenities and quality of care that can be expected at facilities that cater to the rich versus the poor. There are also different laws and standards that apply to each of the different facilities. (more…)
Tags: assisted living, assisted living care, assisted living program, Medicaid, Medicare, New York
Posted in Assisted Living Facilities, Long Term Care, Medicaid, Nursing Home Alternatives | No Comments »
Monday, October 4th, 2010
The state of Pennsylvania boasts a plethora of long term care planning resources. These resources are intended to provide information about long term care services that may be required because of injury, illness, disability, or aging. Resources available include the following: (more…)
Tags: long term care, Long Term Care Insurance, Pennsylvania
Posted in Long Term Care, Long Term Care Insurance, Medicaid, Medicare | No Comments »
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