Long-term care insurance (LTCI) is a privately owned insurance policy that pays for the cost of live-in custodial care. An individual will pay monthly premiums until there is a need for assistance with activities of daily living (ADLs). Typically an LTCI policy requires assistance with three or more ADLs for the beneficiary to qualify to receive payments for live-in elder care services.
Make life easier by reviewing the list below. Addressing these items early will reduce much stress and disappointment when submitting a claim with your long term care insurance company.
We asked you, you told us. Here are the answers to the most important question we asked you in our elder care survey.
Over the past 24 months, Life Force, a provider of live-in caregivers for the elderly, conducted a survey across Eastern Pennsylvania, Delaware and New Jersey. The survey was conducted among 322 professionals in the home health care industry, including social workers (37% of sample), registered nurses (23%), administration (10%), volunteer coordinators (10%), directors of services (9%), and others.
This survey asked respondents questions relevant to the home care industry, particularly the live-in personal care industry. The key question in the survey asked what the top three most important considerations are upon referring a client for live-in personal care.
Below is a breakdown of the survey, as well as how Life Force delivers on each count.
Ensuring the safety of a caregiver living in an elderly client's home is one of the most important responsibilities of the client and a foremost priority of our home care agency.
Since most Life Force's caregivers are live-in caregivers for the elderly, the client's home becomes a workplace for the caregiver. These client responsibilities include, but are not limited to, the following.
In running a home health care agency specializing in live-in care for the elderly, we have found that finding qualified caregivers is the most critical factor in an agency's success. A criminal background check, face-to-face interview, a high score on a pre-assignment competency test, TB screening, relevant experience, and two references still may not guarantee that the caregiver is uniquely qualified to assist elderly clients with the activities of daily living. Although caregivers may meet every criteria required by the state, there are certain intangibles that make a caregiver excellent, rather than merely good.