Quote:
Originally Posted by jane032657
Long Term Care should kick in when you need help with two of the activities of daily living. Dressing, Bathing, Mobility, Eating, Toileting. I am opening the new assisted living being built next to Lowe's called HarborChase of Villages Crossing. I have a lot of experience with Long Term Care policies. If you would like me to meet with your loved one and review their policy and make some phone calls for them, I am happy to do it. Sometimes long term care policies do allow for in home help instead of assisted living but you must qualify in terms of needing help in multiple functions of daily living. Maintenance and transportation and shopping are not included. You can email me at jbloom@hraonline.net
I am happy to help |
This poster is correct about qualifying for LTC if impaired in two life activities. Further, if you get a doctor to attest to the two impairments in writing, that should be enough to secure coverage from the date of notification. Mental impairment is an automatic qualifier. If the client can't get a doctor's verification for the two physical limitations, I'd recommend the client agree to the simple mental tests used to assess limitations in that area. Surprisingly, many pretty normally functioning people actually have enough mental limitations to qualify. I know this sounds somewhat drastic, and perhaps scary for the client, but if this is the way to get the help they've paid for and need....
good luck!