Follow
Share

My dad has great long term care insurance and is in a memory care unit and we have just been told that he now also needs a sitter. He keeps  falling and is in need of this extra care. He is late stage Alzheimers and is now on hospice. Does long term care insurance usually help pay for sitters? He also has Medicare and Tricare for life AND long term care insurance.

This question has been closed for answers. Ask a New Question.

3 Answers

Most
Helpful Newest
First Oldest
First
It depends on what your policy says. My best friend's mom had a policy that paid by $$ amount, so she was in a small facility that cost less and she had money left over for sitters. Read the policy, if you have to get a lawyer to read it.
Helpful Answer (1)
Report
Mom has a pretty common policy written some 25 years ago and I was surprised to learn that it would only pay 60% of her benefit amount as memory care is not nursing home care and the LTC policy covers only a third of the cost for three more years under a 4 year benefit
Her facility is very expensive and we have personal caregivers 12 hours a day as she needs the help which is out of pocket
Helpful Answer (0)
Report
You will not get more from the long term care insurance. It pays a set amount of money for a set amount of time.
Helpful Answer (0)
Report
This question has been closed for answers. Ask a New Question.

Recent Questions


Popular Questions


Related Questions

Ask a Question
Subscribe to
Our Newsletter