The typical rest home insurance policy (also known as a long-term care policy) covers a lot more than rest homes.
This is an important fact. Most people who are disabled or elderly want to spend as much of their life at home not in a home. However, their inability to do certain things may mean that they cannot stay out of a facility with professional services.
Often their adult children are willing to do what they can to keep them out of a nursing home. However, they may not be able to keep their jobs and do everything that an aging parent needs.
This is where a so-called “nursing home policy” can make a difference. These policies will often pay the cost for home health care and respite care.
These additional coverages are in everybody’s best interests. It keeps the insured at home and it saves the insurers money. It makes sense financially. It also makes sense based on what people what for themselves and their loved ones.
Home health care can mean that a nurse’s aide can come to the person’s home and take care of them while their child goes to work. This can make a huge difference. It can allow someone to stay home for much longer than they would otherwise.
There are home health care businesses all over the nation that can provide your family with a competent home health care professional person who can help you. You can contact one of these businesses and interview them to make sure you are comfortable with the care they can provide.
Respite care is a little different. Sometimes a person who is at risk for being in a rest home is able to get along by themselves most of the day. They don’t need company all day. They just need someone to help them bathe or they may need someone to prepare meals for them.
This means that the family member who takes care of them can go to work but can never leave the state or take a personal vacation. This can make living a normal life very difficult for that caregiver.
Respite care can come to the rescue in this situation. This pays for a home health aide to care for the family member who is unable to care for themselves. This allows the caregiver to take a break.
Most LTC plans provide both respite care and home health care benefits. As stated above, longterm care policies have more benefits than most people are aware of and these benefits are generally available at no extra cost.
Rest home insurance does much more than just covering nursing home stays. It can cover home health care and respite care. It can keep you, your mother or your disabled child out of a nursing home and home with family members. This can have a tremendous positive impact on quality of life.