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Does Long Term Care Insurance cover Assisted Living? |
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Even if your policy states it will ONLY cover a nursing home, this is no longer the case. If you meet the requirements of your policy, it may cover certified assisted livings’. |
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| Q |
What is Assisted Living? |
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Assisted Living provides a combination of housing, supportive services, and personal health care designed to respond to the needs of individuals who require assistance with activities of daily living in a way that promotes independence. |
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| Q |
What are Activities of Daily Living? |
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Daily activities that an individual needs in order to care for themselves such as taking medications, bathing, dressing, transferring and ambulating. |
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| Q |
Are the apartments purchased or leased? |
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The Gardens does not require a large “buy-in” fee. The apartments are leased on a month to month basis. |
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| Q |
Are the apartments furnished or unfurnished? |
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The apartments are unfurnished. Residents are encouraged to bring their own belongings from home to furnish and decorate the apartment. We want you to feel comfortable in your new home. |
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| Q |
What is Respite Care? |
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Respite Care is available for individuals needing personal care for a short period of time. For example; when an individual is discharged from the hospital they may require some additional assistance until they are strong enough to return home. Or, a loved one caring for a spouse or parent may want to take a break for a short period of time. |
