Qualifying for Long Term Care
I have an 89 year-old family member who has tried assisted living, but decided to buy a small home and live out his days independently, as he felt imprisoned in a facility. He has paid into Long Term Care for many years. He has had difficulty qualifying for in-home help because he doesn't need such intensive care as help holding a spoon to feed himself, etc.. The rules appear designed to deny care unless one is practically helpless. He needs help with household maintenance, bathing, cooking, errand running, transportation to various doctor appointments, etc. We help him a lot, but there is a lot of help needed that we can't always provide.
Is LTC really that hard to qualify for? Where might one find an advisor or advocate to help with this? I've searched the internet and found all kinds of sites with some information, but it is too general and leaves me as frustrated as I start. I want to support his efforts to keep his independence and maintain his quality of life. Does anyone know anything about qualifying for LTC?
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