Some Basics on Long-Term Care Insurance

Many Families Worry About How to Pay for the Costs of Care for a Senior Loved One  

For an aging-at-home senior with non-medical needsoptions like Medicare/Medicaid or health insurance will NOT cover the costs of long-term care when the need arises. One of the best ways to financially prepare for long-term care is investing in a Long-Term Care insurance (LTCi) policy because it will cover the following:

  • In-home care 
  • Assisted living costs 
  • Skilled nursing facilities 
  • Memory care communities 

Long-Term Care insurance is used to pay for in-home care offered by home care providers and it also covers other senior lifestyle options like assisted living, skilled nursing and memory care communities. Some of the key components to consider when purchasing an LTCi policy are the benefit amount, the benefit period and the elimination period. 

 Amada Geneva can help you understand how to use your Long-Term Care insurance policy 

At Amada Senior Care Geneva, count on us to be your advocate to help you or a senior loved one find funding sources that help cover the cost of care. As a matter of fact, Long-Term Care insurance (LTCi) claims management is our specialty at Amada Senior Care of Geneva. As LTCi experts, we gladly help policyholders understand and verify their LTCi benefits. Our senior care advisors patiently guide seniors and their families step-by-step through the process of reviewing and filing a claim so that you or your senior loved one can start receiving your benefits as soon as possible. LTCi claims management is a service we offer at no cost to the policyholder.

Call us at Amada Geneva today to schedule a free policy review. We would be happy to coordinate a conference call with you and your carrier to do the following: 

  • Analyze the requirements of your policy, including elimination periods, daily maximum, lifetime benefits, and coverage 
  • Assist the policyholder in completing the necessary forms to file a claim
  • At the policyholder’s request, bill the LTC carrier directly

 Amada Senior Care of Geneva is happy to provide you a FREE benefits analysis 

We have established relationships with multiple LTC insurance carriers and third-party administrators to make the claims process easier. Let us be your advocate. We want to help you receive your benefits and the compassionate care you deserve. Call us today at 630-828-5155 to speak with one of our senior care advisors for a FREE benefits analysis.