Unpacking Long Term Care Insurance Policies and Claims

Author

Amada Senior Care

For more information about the author, click to view their website: Amada Senior Care Dallas

Posted on

Feb 01, 2024

Book/Edition

Texas - Dallas, Collin, SE Denton & Rockwall Counties

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In this episode of "Senior Care Confidential," the hosts discuss challenges and solutions in healthcare and senior care. The focus is on long-term care insurance policies, with guest Eric vanGoetham from Amada Senior Care providing insights. The discussion covers various topics, including who pays for caregiver services, common questions from clients about long-term care insurance, elimination periods, types of policies (reimbursement vs. indemnity), and the restoration of benefits. They emphasize the importance of understanding policy details before needing to use them and mention the complexity and changes in policies over time. Eric vanGoetham offers assistance in reviewing long-term care insurance policies for free and encourages proactive understanding of these policies.

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Local Services By This Author

Amada Senior Care

Non-Medical 14330 Midway Road, Dallas, Texas, 75244

Amada Senior Healthcare "America's trusted resource for caregiving and long-term care insurance claims advocacy In-Home Health Care Eric vanGoethem, owner of Amada Senior Care Dallas, has made it his mission to help seniors live safely and comfortably in the comfort of their own homes. Eric deeply empathizes with families who have experienced the vulnerability and uncertainty of seeing a loved one battle a disease. He watched his father quickly deteriorate from Creutzfeldt-Jakob Diseasea rare, degenerative prion disease that attacks the brain and is always fatal. Eric says, I watched my mom become my dads caregiver and saw the toll that it took on her physically and emotionally while trying to still be the loving, supporting wife that she had been over 40 yearsit drained her for years to come. Had we known and understood the benefits of in-home caregivers at the time, I know we would have navigated that difficult time of transition more smoothly. Chief Operating Officer Sabrina vanGoethems own family experiences sparked her interest in making a difference in seniors lives. She is inspired by her mother, who has been working as a caregiver for years in San Antonio. Hearing her mothers stories of feeling fulfilled by her work and witnessing her passion for being a caregiver, Sabrina developed her enthusiasm for providing in-home senior care. Says Sabrina, I just loved hearing her stories from her clientsthey have experienced much change in their lives, and it was fascinating to listen. Find the Most Outstanding In-Home Health Care for Your Loved One Providing care for your aging loved one is important but can place a significant burden on your day-to-day life. Home care offers you the ability to provide the most outstanding care to your loved one while allowing them to remain independent in their own home. Amada Senior Care provides the most exceptional home health care services in Dallas, TX. Our team of professional caregivers assist in a range of daily routine activities while providing companionship that will truly make a difference in the life of your loved one.  Amada Caregivers are Trained to Provide Assistance with Activities of Daily Living (ADLs) such as: BathingErrands/ShoppingMost Non-Medical AssistanceLight HousekeepingMeal Preparation, FeedingMedication RemindersDressingToiletingWalking/Ambulation Assistance with Long Term Care Insurance Claims At Amada Senior Care, we are committed to caring for everyone that comes across our path. Thats why our senior home care has been awarded and certified by organizations like the Department of Defense as an employer of military spouses and the Home Care Standards Bureau. Amada Senior Care Dallas is A+ certified by the Home Care Standards Bureau and is designated as a 2020 Best of Home Care Pulse Employer of Choice and a Provider of Choice. Our Commitment For our team members at Amada Senior Care, providing in-home senior care is much more than just a job. It is a fulfillment of our personal goals to enrich the lives of our clients at every level. Whether it is helping a client adjust their care plan, engaging in an activity a client enjoys, sharing a friendly word with a family member, or preparing a meal that tastes like home, we truly enjoy what we doand it shows.Support Programs For VeteransSupport Programs for VeteransNumerous veterans, along with their spouses and families, might be unaware of the potential government assistance available to them. At Amada Senior Care Dallas, our commitment lies in aiding eligible individuals, including those qualified for VA Aid and Attendance benefits and various other financial aids, in fully utilizing these valuable resources.For further information regarding Aid and Attendance and additional benefits tailored to veterans, please call us at 214-888-4823.Determining Eligibility for Aid and Attendance1. Military ServiceA minimum of 90 days on active duty, with at least one of those days falling within a wartime period.Must not have received a dishonorable discharge.2. Assistance with Personal CareApplicants should currently require aid with daily activities like walking, eating, using the toilet, or dressing.3. IncomeThe majority of the applicants income must be presently allocated towards caregiving expenses.The benefits they qualify for will be determined by the proportion of income spent on care.4. Financial AssetsThe VA will establish an acceptable asset threshold for applicants.Determination of financial assets will take into account age and financial need.Advantages of VA Aid and Attendance BenefitsBy leveraging VA benefits, elderly individuals enhance their financial flexibility for tailored care plans and potential living arrangements. This encompasses the possibility of:Increased in-home care options.Selecting a preferred community for living.Receiving monthly benefits with no obligation for repayment.Direct tax-free payments from the United States Treasury to beneficiaries.