Long-Term Care Insurance
As you or your loved ones age, considering long-term care insurance options can provide peace of mind and financial security in times of need. Our mission is to assist you in understanding the benefits of long-term care insurance.
About Us
Florida First’s In Home Caregiver Referral Service
Our purpose is to connect families requiring assistance in the care of their senior parents or loved ones with qualified, background-screenedand credentialed professional caregivers.
What is Long-Term Care Insurance?
Long-term care insurance is a specialized financial product designed to cover the costs associated with extended care services, typically required in one’s later years. This form of insurance aims to provide financial support for individuals who may need assistance with activities of daily living (ADLs) such as bathing, dressing, eating, or for those with cognitive impairments who require supervision and care. Long-term care insurance policies can also extend coverage to services provided in a variety of settings, including in-home care, assisted living facilities, nursing homes and adult day care centers.
These policies can be especially valuable for seniors, as they help safeguard personal assets and savings, ensuring that the financial burden of long-term care does not jeopardize one’s retirement or financial security.
What Does Long-Term Care Insurance Cover?
Long-term care insurance coverage can vary widely based on the specific policy chosen. Typically, long-term care insurance covers a range of services and care settings. These may include:
- In-Home Care: Long-term care insurance can cover the costs of in-home care, including assistance with ADLs, medication management and companionship.
- Assisted Living: Many policies include coverage for assisted living facilities, where individuals can receive assistance with daily tasks while maintaining a level of independence.
- Nursing Home Care: Coverage often extends to nursing home care for those who require more intensive medical and personal care services.
- Adult Day Care: Some policies cover the cost of adult day care centers, where seniors can receive socialization and supervision during the day.
- Hospice Care: Certain policies may include hospice care for individuals with life-limiting illnesses.
- Memory Care: For those with Alzheimer’s or dementia, long-term care insurance may cover specialized memory care services.
It’s crucial to carefully review and understand the terms and conditions of your specific long-term care insurance policy, as coverage can vary based on the policy provider and the plan selected.
How Can CareGivers of America Help?
CareGivers of America plays a crucial role in helping individuals and families make the most of their long-term care insurance. Our expertise as a nurse registry enables us to connect seniors with caregivers, nurses and aides who provide the care and support needed to enhance their quality of life. Here’s how we can assist:
- Understanding Policy Coverage: We can help you decipher the terms and conditions of your long-term care insurance policy, ensuring you are fully aware of the services and care settings covered. In addition, we do all of the paperwork and claim submission for you so that you do not need to worry about it.
- Caregiver Matching: Our nurse registry specializes in matching seniors with caregivers who meet their unique needs, preferences and medical requirements. This personalized approach ensures that your loved one receive the care you deserve.
- Comprehensive Home Care: The caregivers we refer can provide a wide range of services, including assistance with ADLs, medication management, companionship and specialized care for conditions like Alzheimer’s and dementia. Our services complement the coverage provided by long-term care insurance.
- Financial Peace of Mind: By utilizing your long-term care insurance policy in conjunction with our caregiver matching services, you can secure financial peace of mind while receiving the high-quality care you need.
What Insurance Does CareGivers of America Accept?
At CareGivers of America, we accept all long-term care insurance. For more information, please feel free to contact us or visit one of the companies below:
- MedAmerica
- ACSIA Partners
- GuideOne Insurance
- Metlife Long Term Care
- Mutual of Omaha Long Term Care
- TransAmerica Long Term Care
- John Hancock Long Term Care
- Bankers Life & Casualty Long Term Care Insurance
- Genworth Long Term Care
- CNO Financial Group Long Term Care
- Northwestern Mutual Life
- New York Life
- Mass Mutual
- CNA Long Term Care
- UNUM Long Term Care
- Nationwide
- State Farm
- Golden Care
- LTC Financial Solutions
- Lincoln Benefit Life
- And Many More
Accepted Long-Term Care Insurance Providers
CareGivers of America is Here to Help
We are dedicated to serving the needs of the Lauderhill community and the counties of Broward, Miami-Dade, and Palm Beach.
CareGivers of America has served thousands of clients’ homecare needs over the past 30 years. The team’s passion, every day, is to match clients’ needs and preferences with excellent caregivers, whether those needs are for companionship, activities of daily living, or specialized cases involving Alzheimer’s Disease or other forms of dementia.
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