Long-Term Care Insurance…For In-Home Care?

Nursing Home Insurance. That’s what Long Term Care insurance used to be commonly called. And it made sense. It was insurance that paid for care in a nursing home.

Times changed. More and more people practically shouted that Dorothy had it right in The Wizard of Oz – there’s no place like home.

The insurance companies heard it loud and clear. Policies started covering in-home care. Some policies unfairly pay more if you are relocated to a nursing home rather than receiving care in your home. Others simply look at the level of care received regardless the location.

If you have a loved one with Long Term Care insurance and together you are making decisions about where care will be received, you should know the ins and outs of the policy.

Before I go further I want to be clear. I am neither an insurance agent nor a financial planner. To the contrary, I own an in-home senior care agency. I’ve seen scores of Long Term Care insurance policies and have served a great number of people whose insurance pays for the service. In any event, none of what I offer should be mistakenly taken as insurance or financial advice but only as important information from a knowledgeable service provider.12806113_1775184972710003_5083215326587263652_n

There are three key components to every Long Term Care insurance policy that could be of great importance to you and are the areas where I receive the most questions. Briefly, these include:

Elimination Period — The “deductible” in a Long Term Care insurance policy is represented by a period of time – an Elimination Period. The time period could be 30 days, 60 days, or 90 days, for instance. Some policies have immediate benefits without Elimination Periods, but you can be assured that you have paid for this through your premium. During the Elimination Period, the insured is responsible for paying for services provided. Once a claim has been established, the clock starts and every day served is counted against the days of your Elimination Period. For simplicity sake, I refer to the Elimination Period as your deductible.

Daily/Weekly or Monthly Benefit — The policy benefit is defined as an amount of money available for approved services. The benefit may be defined by daily, weekly or monthly dollar figures, (e.g., $100/day or $3,500/month). This aspect of the policy is important for budgeting reasons. My recommendation is always to have a Plan of Care tailored, determine what service schedule will fully meet the needs, and then calculate what the charges will be. From that, you can determine what amount will be covered by your policy and what part, if any, exceeds that amount that you will be responsible for paying.

Lifetime Maximum Benefit — The total amount the insurance company will pay is your Lifetime Maximum Benefit. In most every case, there is a limit, but in some cases, there is not. Like you Daily/Weekly or Monthly Benefit, this figure can help determine how long in-home care will be paid.

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Immediate Openings for In-Home Caregivers- Sign On Bonus!

We are hiring male and female caregivers and home health aides.

We are seeking enthusiastic, responsible and dependable candidates who are passionate about caring for our beloved seniors and honored veterans and others who want live independently in their own home.
We value a diverse workplace and provide career advancement, training and leadership opportunities to exemplary employees.

*Various shifts available: days, nights, graveyard/NOC , weekdays and or weekends.*
•Pick the shift – based on your availability!
•One location – No driving from client to client!

Job duties include, but are not limited to:
•Adult sitter/monitoring shifts (in facilities)
•Light housekeeping includes dusting, vacuuming, take out garbage, clean bathrooms, etc.
•Resident and facility laundry
•Make and change beds
•Assist residents with toileting, bathing, dressing, grooming, and all other ADL’s
•Plan and prepare meals followed by dishes and clean-up
•Assist with medications
•Assist with snacks, meals, and activity participation
•Record keeping: daily logs and some documentation

Requirements include:
•Passing a background check will be required.
•Must have recent professional experience.
•Must be able to lift up to 40 pounds.
•Active CNA license not required but is a plus.
•CPR & first aid trained a plus.
•A valid driver’s license and good driving record with reliable transportation.

We Offer:
•Sign on bonus & Benefits -after 60 days of employment
•Fuel Reimbursement for travel between clients
•Ongoing training
•Flexibility with work schedules
•Growth potential opportunities within the company
•and more!

WereHiring: http://local.homehelpershomecare.com/boiseid/home/care.php
Please respond with a current resume and references attached in MS Word format.

Home Helpers Home Care is part of a non-medical home care member organization with over 600 independently owned agencies throughout the United States and Canada with local operations in the Boise, Idaho and Ada County areas.

Both part-time and full time shifts are available.

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Infographic: The life cycle of a credit card – http://bit.ly/29Vasqn

Infographic: The life cycle of a credit card
Credit card use has a life cycle with three distinct phases, according to a Federal Reserve Bank of Boston study of Equifax data, which plotted out.
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July 25, 2016 at 10:15AM

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7 In-Home Care Mistakes to Avoid http://bit.ly/29PZUVI

7 In-Home Care Mistakes to Avoid
In-home care is a valuable service for people who need help at home that can’t be provided by themselves, family or friends. This may be individuals who are elderly, disabled, recovering from…
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July 21, 2016 at 10:10AM

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Overtime Pay is Now the Rule for Many Home Care Providers – http://bit.ly/29ZnwsC

Overtime Pay is Now the Rule for Many Home Care Providers
Nearly two million home care workers nationwide now have the right to overtime pay, thanks to a Supreme Court ruling.
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July 16, 2016 at 11:51PM

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New photo from Facebook July 13, 2016 at 03:17PM

Home Helpers Home Care – Boise, Idaho Earns 7-Star Certification!

Congratulations are in order to Home Helpers of Boise, ID owned by Mike Jackson, for earning a 7- Star Certification!

Our corporate 7 – Star Program sets us apart as a business of excellence both among communities and competitors. This prestigious ranking demonstrates the quest for excellence and provides the office an additional way to market

This Quality Assurance program consists of seven areas:
• Marketing and Business Plan Implementation
• Operations Manual Compliance
• 24/7 Phone Availability
• Caregiver Training Documentation and Certification
• Positive Customer Satisfaction Rating
• Current Franchise Agreement
• HIPPA Compliance

Offices receive one star for each area in which they meet or exceed the requirement.

Congratulations to Mike and his team for earning this distinction! via Facebook Pages http://ift.tt/1MeK2es

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HAPPY FRIDAY! From: Home Helpers – Home Care Services in Boise Idaho, Phone: (208) 322-2668. – http://bit.ly/29rdiz4

Home Helpers – Home Care Services in Boise, Address: 5537-B N. Glenwood St, City: Boise, Idaho….
Home Helpers Home Care is more than an in-home health care agency in Boise Idaho. We are your extended family when family can’t be there. We offer c….
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July 08, 2016 at 10:16AM

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