Long-term-care insurance

Has your loved one recently transitioned into the care of a hospice agency? While a hospice agency may alleviate some of your caregiving duties, you may notice that additional support in the home would be beneficial. This is where enlisting the help of a personal care agency may be the perfect solution.

Personal care agencies like Aspen Senior Care often get confused with hospice care, but they aren’t the same. It’s important for families caring for elderly loved ones to know the difference and how both agencies complement each other.

What is the difference?

Personal care services provide one-on-one non-medical support in a person’s home which allows them to stay safely at home while under the care of a professional caregiver. Professional caregivers provide assistance 24/7 with activities of daily living, personal care, companionship, night care, and respite care for family caregivers. It is customized care to fit the needs and desires of the person and their family. This type of care is usually paid privately and/or by long-term-care insurance.

The purpose of hospice is to provide the highest quality of medical care and comfort to those who are chronically ill, terminally ill, or seriously ill and to relieve or lessen the discomfort they may experience. This may include medical care to alleviate pain, counseling and grief support for the patient and their family. In most cases, hospice care for seniors is covered by Medicare and includes several 1-hour visits per week by CNA’s, nurses, and other professionals.

How do they work hand-in-hand?

Personal care companies like Aspen Senior Care provide a few of the same services that hospice agencies provide, plus a lot of services they do not provide. When hospice care sends a CNA 2 to 3 times a week for an hour to help with bathing, personal care agencies like Aspen Senior Care can fill in the gaps and provide consistent care and peace of mind 24/7. Hospice care provides a nurse to visit each week to answer medical questions and help stay on top of pain. Personal care agencies provide trained caregivers who can be there day and night to provide encouragement, reduce loneliness, and give extra assistance as needed. Both agencies usually work together to ensure their patients’ needs are met.

Personal care agencies 24/7 services include:

  • Shower assistance
  • Hygiene care
  • Medication reminders
  • Homemaking
  • Meal planning and preparation
  • Light housekeeping
  • Errands and transportation
  • Alzheimer’s and dementia care
  • Peace of mind for all involved

The most important thing to remember is that both of these agencies are on your side. They want to provide the best care for your loved one, and working hand-in-hand with one another provides the best support across the board. If your loved one is in need of hospice care services and you feel they would benefit from additional care and assistance, don’t hesitate to call on a good personal in-home care agency in your area.  

Learn more about Aspen Senior Care by calling 801-224-5910.

What is long-term-care insurance?

Long-term care insurance covers a range of supportive services (medical and non-medical) that an individual may need when they are no longer able to perform many day-to-day activities or tasks on their own. Activities of daily living, commonly known as ADL’s, include tasks such as feeding, bathing, toileting, dressing, or transferring from a bed to chair.

Additionally, long-term-care covers services that may help individuals with other everyday essential tasks. These supportive tasks include medication reminders, house cleaning, errands, and meal preparation.

LTC covers care services whether it be in the individual’s own home or in a facility. Who provides care may depend on the individual’s needs, but many times can come from a family caregiver, a homecare company, an adult day service, or a facility.

How do you know if long-term-care insurance is right for you?

Photo courtesy of Pixabay(skeeze)
Photo courtesy of Pixabay(skeeze)

LTC may be right for you if:

  • You want to be able to pay for your own care when it is needed down the road.
  • You like the idea of being independent as long as possible.
  • You are able to afford the premiums and have a good income and amount of assets.

LTC may NOT be right for you if:

  • You have a limited amount of income or assets.
  • You struggle paying for day-to-day necessities such as housing, rent, food, medications, etc.
  • Your only income is through a Social Security benefit or SSI (Supplemental Security Income) and you can’t afford the premiums.

Companies like Aspen Senior Care, an in-home personal care agency, want to help make sure seniors get the most bang for their buck. Cindy Harris, a LTC Claim Specialist with Aspen, says that many people don’t utilize their long-term-care options as well as they could.

“My job is to work with LTC insurance companies and get them to pay claims on our clients’ behalf,” says Cindy. “That way they get the full care they need and don’t have to worry that they won’t get the coverage they’ve paid for!”