If you have a long term care insurance policy and are in need of an assisted living facility, it is important to know which one is covered under the policy and which one is right for you.
There are four types of long-term care facilities: independent living communities, assisted living communities, nursing homes, and residential care homes. In this blog post, we'll take a closer look at each type of long-term care facility and discuss what you need to know before making a decision.
Independent Living Communities
Independent living communities are designed for those who can still live independently and do not require any assistance with daily activities. These facilities are typically not covered under a long term care insurance policy because they do not provide assistance with activities of daily living.
Assisted Living Communities
Assisted living communities are similar to independent living but provide additional help with activities of daily living like bathing, dressing, eating, and toileting. Assisted living facilities may also offer 24-hour supervision or memory care for those with Alzheimer’s disease or dementia.
Nursing homes provide care for individuals who need more medical attention than what an assisted living community can offer. Nursing home residents typically receive medical care from trained professionals such as registered nurses, physical therapists, and pharmacists. These facilities also typically provide assistance with daily activities like dressing, bathing, and eating.
Residential Care Homes
Residential care homes are typically smaller facilities that provide a home-like setting for individuals who can no longer live independently. These facilities typically hire staff members to help with meal preparation, housekeeping, and laundry services. Some residential care homes may also have other amenities, such as exercise rooms or libraries.
It is important to know what is covered under your long-term care policy. Most policies pay a daily or monthly benefit to cover the cost of a living facility or home health aide. But in order to qualify for the benefit, you must prove that you meet the terms of the policy requiring assistance with at least two activities of daily living.
Lawyers with Expertise in Long Term Care Insurance Claims
Because we focus on long-term care insurance claims, our clients get the benefit of the following:
- Having an attorney with experience in long-term care claims;
- Having an attorney who has experience with every major long term care insurance company;
- Being backed by a law firm that has a proven track record of winning lawsuits.
Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help with the following:
- Submitting a long term care insurance claim;
- Appealing a long term care denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your long term care insurance company.
The firm represents clients nationwide with long term care insurance claims governed by federal law, even if we are not located in your state.
Call to speak with an experienced long term care insurance attorney. Pay no fees or costs unless you get paid.
Contact Dabdoub Law Firm today at (800) 969-0488 or fill out the online contact form to speak with an experienced attorney about your case.