Life Force Caregivers for the Elderly has provided personalized live-in custodial care to hundreds of seniors since 1989. A live-in home health aide is an alternative to an assisted living or long-term care nursing facility by assisting with activities of daily living right in the comfort of your own home. While conducting the initial assessment of a client's needs and expectations, families naturally ask questions about Life Force's services. One question that sometimes arises is: What is the advantage of working with an agency like Life Force over hiring our own private aide?
When choosing between these two options families normally make a decision based upon price. Hiring a private aide is typically cheaper than working with a licensed agency, but a private caregiver easily becomes more costly in the end.
Long-term care insurance (LTCI) is a privately owned insurance policy that pays for the cost of live-in custodial care. An individual will pay monthly premiums until there is a need for assistance with activities of daily living (ADLs). Typically an LTCI policy requires assistance with three or more ADLs for the beneficiary to qualify to receive payments for live-in elder care services.
Make life easier by reviewing the list below. Addressing these items early will reduce much stress and disappointment when submitting a claim with your long term care insurance company.