Long-Term Care Insurance As A Payment Option For Elderly Care Services In Enfield, CT
Find out more about long-term care insurance and coverage for elderly care services in your community.
Comfort Keepers offers a number of elderly care services to choose from, including in home care, respite care and transitioning care, in order to help your senior loved one increase and maintain their independence without having to move out of their home or change their routine.
Our elderly care services include personal care, such as assistance with bathing and dressing, meal planning and preparation, light housekeeping, and other tasks of daily living. If you work with our team of caregivers in Enfield, CT, you can still actively participate in the care your loved one receives – you just won’t have to perform time-consuming and demanding tasks.
The financial impact of long-term care costs can be overwhelming, especially if you and your loved one are considering paying for care with personal assets. Unfortunately, long-term care at home isn't typically covered by traditional health insurance. However, opting for a long-term care insurance policy can protect your family against the risk of substantial out of pocket costs associated with this type of care. Besides allowing your loved one to preserve their lifestyle in the comfort of their own home, this payment option can help your family decide how long-term care needs will be met as they arise.
Despite the obvious benefits, long-term care insurance coverage is expensive. Even if you find premiums affordable, it’s important to make sure your loved one can pay for them as long as needed. It might be a good idea to consult a financial planner to help guide you through this process. Remember that premiums can increase over time, but your loved one might not have to worry about this if they opt for coverage that includes inflation protection.
The younger and healthier your loved one is, the less expensive the coverage cost will be. Keep in mind that as the average life expectancy rate continues to climb, the reality is that sooner or later the majority of people will require some sort of long-term care. This is why long-term care insurance can be an excellent investment in your loved one’s future.
If you want more information regarding long-term care insurance for elderly care services, please contact our Comfort Keepers office in Enfield, CT.