Using LTCI for Home Care

Using Long-Term Care Insurance Benefits for Home Care

Wondering if you can recieve long term care insurance benefits?

In order to receive Long Term Care Insurance Benefits, most policies say that a policyholder must require assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. Standard LTCI policies include 5 or 6 of the following ADLs:

Bathing & Showering

Ambulation (help with mobility and transferring)

Grooming (assistance with personal hygeine)

Toileting

Dressing

Feeding (not including chewing or swallowing)