It sounds as though there is a policy in place. If and hopefully so contact them. Are you entering a facility? Generally one pays the facility and then sends payment info to LTC policy. Most facilities can help with the process for the information needed in order to receive reimbursement. It may take some weeks for LTC company to register your situation and start the process. You certainly need the help of the facility if that is the route you are taking but as I said facilities are very accustomed to providing that information in order to receive reimbursement.
The ADL factors vary by state. It is generally 2 or 3 needs which is very easy to attain. Help with dressing,showering and med management get one to 3. Most AL facilities require med management for all residents so right there one has arrived at 1 ADL.
I was POA for my mother so I handled the communication with the LTC policy company. I would also involve the facility director when I received notification from the policy for more information from the facility which sadly is the game played in order to stall payments but as long as one stays on top of the situation the payments are made.
- Study the exceptions list, the list of ailments that you need care for that they will not cover. I can't recall the one long-term insurance company I first looked at, but I checked out the list of ailments they won't cover. It was lengthy. - Ask VERY hard specific questions about the length of time they will pay out and for how much they will pay. In other words, for example they'll pay for your care only for two years or a limit on how much they'll pay out as expenses increase. - Ask what happens to the money that you paid in if you die suddenly or if you have any choices about the money's disposition.
The ADL factors vary by state. It is generally 2 or 3 needs which is very easy to attain. Help with dressing,showering and med management get one to 3. Most AL facilities require med management for all residents so right there one has arrived at 1 ADL.
I was POA for my mother so I handled the communication with the LTC policy company. I would also involve the facility director when I received notification from the policy for more information from the facility which sadly is the game played in order to stall payments but as long as one stays on top of the situation the payments are made.
- Ask VERY hard specific questions about the length of time they will pay out and for how much they will pay. In other words, for example they'll pay for your care only for two years or a limit on how much they'll pay out as expenses increase.
- Ask what happens to the money that you paid in if you die suddenly or if you have any choices about the money's disposition.