Long-term Care Covered Services

Long-term Care Covered Services

What services are typically covered with Long-term care policies? We have prepared a concise description of your typical services needed as one is aging.  Now, keep in mind, all policies are not created equally and all policy guarantees are based upon the claims paying ability of the issuer.  Policies vary in coverage and exclusions – so make sure to understand what you have purchased.  Read the fine print and do check the exclusions.  We recommend that you start with the exclusions as the services you are looking for may be listed in the exclusion section.


Nursing home: This setting is your quintessential facility that provides skilled nursing care, rehabilitation care, personal care and daily activities for residents living there 24/7.  Your policy could vary in covered services – so check your policy for what is covered and what is not.


Assisted living: This type of care is very popular in today’s times.  It’s the in-between area.  You don’t need full nursing care, but you need a little help.  Emphasis is on the word “little”.  Assisted living is typically fashioned as an apartment-style space that offers personal care services.  Such services could include; meals, medication management, daily fun activities and physical therapy.  Many residents enjoy a sense of purpose and content, along with fun, personalized assisted care, and a focus on total well-being.



Home care: This type of care is becoming more desirable.  Typically, a hired agency or perhaps an individual will perform such services as bathing, grooming, or assist with other household chores.



Home modifications: These services could include the installation of ramps or grab bars for the shower/bath all with the goal of safety.



Adult day care services: This is a supervised setting whereby seniors are offered social, health, and other support services.



Care coordination: You could also enlist the services of a professional (licensed) who will determine needs, source services, and arrange for care.  Another plus of a care provider is that they will provide continued monitoring of care providers – if your policy provides for this monitoring.



Memory Care: Many care facilities provide a setting for temporary or permeant skilled-care living for seniors with dementia or Alzheimer’s.  Some of the facilities are what we term “hybrid”.  What that means is the facility does not need to a full-blown nursing home.  Many facilities exist today that are independent/assisted living models that are wonderful for seniors with memory care issues.



Understanding the different types of care can help you create a plan for how you want to be taken care of in your final years.



Talk to us at SJK Wealth Management so we could guide you and your family with your Long-term care needs.  We care!



Call us at 267-880-6116