How To Plan for Long-Term Care

When you’re looking at long-term care for you or your loved ones, you might be wondering what you should plan for, how you can afford the care, and what to expect from your services. This is especially true if you or your loved ones want to stay in their home while still receiving the required and deserved care. At Family Choice Home Care, we’re here to provide in-home care for you and your loved ones, including sharing what our long-term care services look like and how you can afford them.

What Is Long-Term Care?

Long-term care, or long-term care services, are a variety of ways you or your loved ones receive additional support from Family Choice Home Care. These services include:

• Home Care: From meal preparation to grooming and hygiene to medication reminders, home services help you and your loved ones where it’s needed most, so you can continue living your best life, with some additional support for things you need help with.
• Memory Care: If you or your loved one is living with Alzheimer’s or Dementia, you know they often require additional support to get the right amount of care while continuing to live their lives fully. At Family Choice home care, we can help.
• Therapy: From pediatrics to geriatrics to outpatient services, physical therapy can help anyone gain, retain, or recover their normal range of movement and lead healthy lifestyles.
• 24-Hour Care: Sometimes, people need round-the-clock support, monitoring, and care for a healthy life. At Family Choice Home Care, we can provide staff with the experience and training to support 24-hour needs.
  

How Can You Pay for Long-Term Care?

One way you can pay for long-term care services at Family Choice Home Care is through Long-Term Care Insurance (LTC Insurance). Your benefits start after a waiting period and require the policyholder to need help with at least two activities of daily life (ADLs) or have a cognitive impairment. Since your coverage can vary by policy, it’s important to look at the specific terms of your or your loved one’s insurance policy to ensure it includes the necessary services.

What Home Care Services Does LTC Insurance Cover?

Specific policies cover a variety of needs, but some of the most common ones that we provide and that an LTC covers include:

• Assistance with ADLs: Whether it’s grooming, meal prep, or housework, our team can help you keep your home clean and livable.
• Home Care Services: Medication reminders and hygiene are just two of the many ways we ensure you have everything you need to thrive with just a little support from us and our team.
• Skilled Nursing Care: Wound care, medication management, and specialized health monitoring are all part of nursing care, but require a policy and staff that can support those needs.
• Therapy Services: Many policies also cover physical, emotional, and speech therapy to ensure you’re healthy mentally and physically.

Get In-Home Long-Term Care with Family Choice Home Care

At Family Choice Home Care, we’re here to help you with all of your in-home long-term care needs. Family Choice Home Care is located in Lexington, KY, and serves Lexington, Richmond, Berea, Danville, Georgetown, Lancaster, Nicholasville, Mount Sterling, Winchester, Kentucky, and all surrounding areas. Contact us today to arrange care for your loved ones.