Long-Term Care Insurance
Many families have trouble paying for personal care services out of pocket. However, according to the Pennsylvania Health Care Association, for the most part, private medical insurance does not cover the cost of personal care except in certain circumstances. Families in these situations can opt for long-term care insurance. Purchasing a long-term care insurance plan can help families and those in need of personal care maintain more of their financial independence than they could if they had to rely solely on their private insurance plans. It can also expand the range of home assisted services available, which can be particularly helpful if you or your loved one requires more intensive care.
Apply for Veteran's Benefits
If you or your spouse served in the armed forces, you may be eligible to receive an Aid and Attendance benefit to help cover the costs of personal care. In order to be eligible for these benefits, you must require the assistance of another person to perform the personal functions of everyday living such as bathing, dressing and eating. This applies to those who are bedridden, patients in nursing homes or who have any disabilities that prevent them from caring for themselves. As long as you are eligible to receive a VA pension and meet these criteria, you are encouraged to apply for Aid and Attendance benefits or any other veteran's benefits. Concordia has a number of people who are experts in helping families find these benefits.
These are just a couple of the solutions that may be available to you if you are unsure how to cover the costs of assisted living or personal care. Another option is to take some time to re-evaluate your current health insurance coverage, making sure you aren’t paying too much for coverage that you don’t need. As always, you are encouraged to speak to your senior assistance or long-term care facility social workers or admissions department for other options. Assisted living and personal care can be very important in improving the quality of a person's life, so any facility you choose should be more than willing to work with you to come to a viable solution.
Senior care and health-related issues can be confusing enough on their own. Don’t let personal care expenses deter you from seeking out the assistance you or your loved one needs. Find a simpler approach to senior care at Concordia Lutheran Ministries. At Concordia, our goal is to help you navigate through your options and find the best fit for you and your family. We understand that we are ultimately here to lend a helping hand to those in need, meaning that we will work hard to help find a financial solution. If you have questions about how you can afford senior care services, message us through our contact form or call our administrative headquarters at 724-352-1571. Our friendly & caring staff will be glad to assist you as best as they can.