For many, the dream of growing older includes staying in the comfort of their own home, surrounded by familiar spaces and memories. However, as daily tasks become more challenging, in-home care can be essential to making that dream a reality. This is where long-term care insurance can step in to help.
What is in-home care?
In-home care refers to the services provided in a person’s home to help them manage daily living activities (ADLs) such as grooming, dressing, toileting, transfer or ambulating, and eating. In-home care is often a preferred alternative to assisted living or nursing homes, as it allows individuals to stay in a familiar environment while getting the support they need.
Does long-term care insurance cover in-home care?
Yes, long-term care insurance covers in-home care. This allows you or a loved one to get personalized care from the comfort of your home. This can include skilled in-home nursing care; occupational, speech, physical, and rehabilitation therapy; and help with activities of daily living like bathing and eating. It may also include homemaker services like meal preparation and light housekeeping. However, specific coverage can vary depending on the policy and its coverage limits.
When should I buy long-term care insurance?
Age and health are factored into long-term care insurance rates. Therefore, it is recommended to purchase long-term care insurance in your 40s or 50s to take advantage of possible locked-in coverage, lower rates, and the peace of mind that you or your loved ones will be covered.
Let’s talk
The best time to plan for the unexpected is now. Contact one of our experienced Avery Hall agents today for a free consultation at 410-742-5111 for our Salisbury office, 410-822-7300 for Easton, and 302-316-6565 for our Selbyville office.