Lavine Long Term Care Insurance

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An elderly person can get seriously injured if they fall. A fall may also lead to death in some situations. Seniors in Vancouver, Washington want to make sure that their living spaces are safe, consider the following precautionary steps.

  • Install Handrails: Someone that needs to use the bathroom, climb stairs, or just walk through hallways may need a handrail to help them. Being able to hold onto something helps a lot of elderly people that have trouble with balance or health issues in general.
  • Keep Clutter Cleaned Up: An elderly person may not have the energy to clean up or even the ability to. If someone can be hired to clean up the clutter around the home, that can really help. If they have someone working as a home healthcare aide, that person can help clean up from time to time.
  • Teach The Person To Move Slowly: When getting up, it can cause you to faint if there are any blood pressure or other health issues. Moving slow and deliberately at all times reduces the risks of falling from fainting and gives the person more time to notice obstacles.
  • Keep Everything On The Ground Floor: Having to climb stairs can lead to a lot of problems for someone that is older. Try keeping all items needed during the day on the same floor. Get ramps installed outside of the home if a wheelchair is needed or if the stairs are a little tough for the person to negotiate.

People will fall if there are hazards in their home in Vancouver, Washington. If these problems can be taken care of before there is an accident, it could save a life. The work to be done is not difficult and inexpensive so there's no excuse not to eliminate tripping hazards.

The answer is not what you might think. If you dismissed the question "who will provide my care?" because you are on Medicare, then you could be thinking short-sightedly. There is a limit of 100 days on nursing home stays, and a lot of the Activities of Daily Living that you might think are essential are not covered by Medicare - only special medical care is.

If you are concerned about future health or becoming frail, and feel that at some point in the future your mobility will happen where you need assistance with dressing, bathing, or performing typical day to day tasks, then consider having the conversation with a competent and knowledgeable agent about caregiving benefits. Many people in Vancouver have not had the conversation to know the why and why of owning a long-term care insurance benefit.

There are services in Vancouver that will come to your home and give you help ‘in the community' and there are nursing facilities that could be a boon to someone who needs that sort of thing, but you will need to research pricing separately, and check copayments, premiums and eligibility requirements. If you are ex-military, on a low income, or over a certain age, then you might be able to use a Veteran's service or Medicaid, but don't make assumptions. Long-term care is a serious and emotional experience, and it is not something that you want a plan at the last minute when the care needed. Talk to our long-term care expert in Vancouver now, and start preparing for the worst so you get the best outcome and control your future.

So who pays for care if you do not have a care plan?

Working people have cash flow from their employment. They also may have additional money from savings and investments. When retired, cash flow for lifestyle comes from retirement accounts, savings and investments. That cash flow is used for lifestyle. When caregiving is needed, some or all cash flow is diverted towards caregiving.

If there are not sufficient funds to pay for home some or facility care, family, friends and service organizations
will have no choice to become your part or full-time caregivers which will interrupt their career opportunities, family life, and their funding towards retirement.

Health care and Medicare plans pay for health care. These benefits do not pay for care services whether at home or in a care center. Medicaid and Veterans Administration benefits may pay for care services. Both benefits must go through an evaluation based on need and financial suitability. Whether with Medicaid or V.A. Benefits you may be eligible but not entitled.

If you are concerned that you or loved ones may need extended care in Vancouver, Washington, begin creating a plan for the future now. This is one area where there is value to speak with a care benefit planner because there a variety of plans and benefit considerations.

In addition, your health, financial suitability, and age are factors with what types of care benefits are available and suitable for you, your cash flow, your lifestyle, and your commitments now and in the future.

Myth 1: Medicare will cover me.

For the same reason that your regular health insurance will not cover long-term care, Medicare won't cover most long term care services. This is a financial and planning misconception that will require you to pay for long-term caregiver services using your current cash flow.

Myth 2: My spouse or children will take care of me.

What happens if your spouse also needs long-term care or you are single or your children are far away or are too busy or can not afford to take time off to provide the care you need? Demographics and family situations have changed in today’s modern, mobile workforce. You simply can’t rely on your family, children, social services, or service organizations to provide this kind of care.

Myth 3: Long term care insurance companies provide the only solution.

Owning a long term care insurance policy from a reputable private carrier remains the best defense against your future long-term care needs.

Myth 4: I can wait until I retire to own a long term care plan.

While it’s never too late (or too early) to purchase a long term care insurance policy, it is more expensive if you wait until you are in your 60s.

Myth 5: Long term care insurance covers only nursing homes.

Comprehensive plans cover care services whether you are living in your home or in a care facility.

Myth 6: “Elimination period” means waiting period.

This is the period between the time you qualify for care services and when you begin to receive long term care benefits. Riders are available to provide immediate benefits if care giving services begin at home.

Myth 7: I cannot afford long term care insurance.

Even modest policies from reputable long term care insurance companies may mean the difference between obtaining the care you need and subjecting yourself and your family to the financial and emotional stress of becoming your care givers.

Believing “I am in good health so I do not need to own long term care insurance” is contradictory to what happens in our lives. In addition, those who develop chronic health issues will no longer be eligible for any long term care plan. Now is the time to prepare.

Myth 8: It does not matter who sells me a plan.

Many people recommend and sell long term care plans: financial planners, general insurance agents, and other advisers.

Long term care insurance is a specialty benefit product. There are a variety of carriers and options to consider based on health, financial suitability, and what you want to accomplish. Consult with a knowledgeable planner who is competent and knowledgeable with underwriting requirements and carrier benefits.

This is something you and your family need to get right the first time.

Raymond on the Radio