Around the Clock Home Care accepts a variety of payment options:
Private Pay (checks and credit cards accepted)
Many individual clients and/or their families pay for home care from their own assets, investments or savings. Some family members each contribute together to pay for their loved one’s caregiver costs. Liquidating possessions that a senior no longer uses such as vacation homes, vehicles, boats, land, livestock, etc. is another source of finances as well. Accessing equity in the loved one’s home is also a common financing option. Provided certain requirements are met life insurance policies may be converted to cash and used for home care.
Long Term Care Insurance
Many private Long Term Care (LTC) insurance policies cover personal care and other home care services. Most policies have “elimination periods”. This is the period of time after a policy becomes active before the senior is eligible for any benefits. Typically, these are between 20 and 100 days, but some are even longer. If you or your loved one has a long term insurance policy, contact the Long Term Insurance insurer for status and benefits in the policy.
Veteran’s Benefits
If you are a Veteran or a spouse of a Veteran, you may qualify for AID & ATTENDANCE. The services you receive will depend on your circumstances and your health needs. These services may include, but are not limited to the following:
- Housekeeping Services, including help with routine tasks such as doing laundry, cleaning your home or preparing meals
- Personal Care Services, to assist you with personal needs, such as bathing, dressing and eating
- Transportation Costs, for activities such as shopping, banking, and visiting friends when transportation is not otherwise available
Click on the U.S. Department of Veterans Affairs link below for more information on benefits and eligibility on the AID & ATTENDANCE program for veterans-spouses.
VA-AID & ATTENDANCE PROGRAM FOR VETERANS-SPOUSES
