RN Assessments for Long Term Care Insurance Companies.
In order to receive benefits from your long-term care insurance policy you meet two criteria: the Benefit Trigger and the Elimination Period.
ASK In Home Care provides RN Assessments for Long Term Care Insurance Companies. This assessment will allow you to be in compliance with your insurance company to receive your long term care benefits.
Benefit triggers are the criteria that an insurance company will use to determine if you are eligible for benefits. Most companies use a specific assessment form that will be filled out by a nurse/social worker team. Benefit triggers:
- Are the criteria insurance policies use to determine if you are eligible for long-term care benefits
- Are determined through a company sponsored nurse/social worker assessment of your condition.
- Usually are defined in terms of Activities of Daily Living (ADLs) or cognitive impairments
- Most policies pay benefits when you need help with two or more of six ADLs or when you have a cognitive impairment
- Once you have been assessed, your care manager from the insurance company will approve a Plan of Care that outlines the benefits for which you are eligible.
The “elimination period” is the amount of time that must pass after a benefit trigger occurs but before you start receiving payment for services. An elimination period:
- Is like the deductible you have on car insurance, except it is measured in time rather than by dollar amount
- Most policies allow you to choose an elimination period of 30, 60, or 90 days at the time you purchased your policy
- During the period, you must cover the cost of any services you receive
- Some policies specify that in order to satisfy an elimination period, you must receive paid care or pay for services during that time
Once your benefits begin:
- Most policies pay your costs up to a pre-set daily limit until the lifetime maximum is reached
- Other policies pay a pre-set cash amount for each day that you meet the benefit trigger, whether you receive paid long-term care services on those days or not
- These “cash disability” policies offer more flexibility but are potentially more expensive
To request an assessment, please call us directly or contact us online
In addition, our caregivers offer comprehensive in-home personal care services in the following areas:
- Alzheimer's In-Home Care
- Dementia In-Home Care
- In-Home Adult Sitter
- Non-Medical In-Home Care
- Hospice In-Home Care
We offer in-home care that covers a wide array of activities, including:
- Meal preparation
- Medication Reminders
- Accompany to doctor visits
- Grocery shopping
- Laundry and linens
Personal Care Services
- Incontinence Care
- Mobility Assistance
Alzheimer’s , Dementia, Stroke & Incapacity.
- Monitor and manage behavioral symptoms
- Stimulate and encourage daily engagement
- Provide assistance with activities of daily living
- Keeping seniors safe
- Prescription pick-up
- Hospital discharge assistance
- In-Home Hospice Care Services