Everyone heals better at home. A long term care policy helps us get the care we need in home.
There are commercials on the television and radio all the time and I see the little cars running around all the time for the nursing staff and therapists who visit patients at home, and can imagine how wonderful that is for people who don’t want to go into a nursing home, even if just for rehabilitative care. For those who don’t have the insurance coverage to pay for it, the benefits can be out of reach and costly.
With a long term care policy you get the benefit of staying at home to heal and recover from an injury or accident, should you need rehabilitative care. Should the unexpected happen, cancer or stroke, and you are unable to work, but are working toward recovering, you can receive the benefits of a nurse or occupational therapist in your home. As soon as it’s determined that you need help with the activities of daily living and are chronically ill, you receive your benefits and your policy begins paying benefits monthly, to allow you to stay at home while you recover.
A long term care policy will pay not only for the nursing care, but equipment for your home, including a hospital bed if you need one, modifications to your home, and even a medical alert system. You can have friends or family members trained to be your caregivers if necessary. When it comes to making sure you are able to stay at home for your long term care, the choices for using the benefits are yours as well.
Don’t forget your spouse. The two of you are in this together and can share benefits of a long term care policy with optional benefits added to your policy. The benefit to you is that if you run out of benefits, you can access benefits under your spouse’s policy. There are other options you can talk to your AC Financial Adviser about as well.
There may come a time in your care when you need more skilled nursing care, and your long term care policy pays for assisted living and nursing home care, too, but keeping you at home to get the care you need is the main purpose.
Call your AC Financial Adviser at (800) 564-3136 to talk about the policy that’s right for you and your family.
