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just a little more buzz buzz info. their have been and still are a very few insurance companies that do sell a policy thais called "cash equity coverage where the daily be the benefit can be split up according to the hourily use.(unfortunately i do not spell very well) for example: you have an daily benefit of $150.00 and your home aid who is certified works 6 hours, which leaves a balance from the $150.00,which is returned to you. in cash. this is a job for your insurance person to set up. i am not an insurance person and all i can do is pass on the information to the people of interswho are in my situation.i hope that you will be careful and move in the right direction and legal direction to help any one involved. and people of interest, THANK YOU
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a little bit of information that might help. when the policy was purchased,i would assume that you bought it from an agent or broker who probably received a sales commission. fortunately for selling you this policy he would be representing you in and during this transaction. let him or her earn their commission. call them and ask for help and if no response call the Florida Department of consumer affairs .You pay taxes i hope. these people will act as your surrogate in any matter pertaining to insurance company abuse or explanation of misunderstanding. i have had nothing but success with my dealings with them and its "FREE" On the computer look up "MY FLORIDA".gov (i think!)
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Do you live with them? If they need 24/7 care verified byt their doctors, then you could make out a caregivers contract and have your parents pay you, or if your dad was in the service you can apply for the Aide and attendance funding monthly. If your parents own a home, sell it and have them pay you. SS allows you to take rent from your parents if you have them in your home I have heard. Good luck.
PS The reason for being paid is #1 you deserve it for 24 hour care. #2 is that if you do it for free and have siblings that do nothing, when your parent passes, their estate will be divided equally, is that fair? I got paid and once her money ran out, I used that money right back to her for supplies , meds, clothing, etc. I find that I spend about $200 a month on food, and $4-500 a month for oil to heat the house. ( I cannot stand the heat)and I gave up my job when her money ran out because we couldnt afford fulltime care or my money would run out too fast. Regardless, its all run out now, but we will continue to pay for anything she needs forever as she is the sweetest mom on earth. I bought her a new $500 wheelchair and a $450 10" memory foam bed to go on her hospital bed, she is extremely well taken care of and loved, even thou she has severe dementia, she's comfortable and happy.
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No, they won't. They will pay someone who is certified and from an agency but won't pay a relative. Why would anyone expect to be paid to take care of the people who brought him or her in the world? After all, one's parents didn't get paid to take care of us as children.
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Insurance company's try to make things as hard as possible. My parents have LongTerm Care Ins. for at least 20 years. When I called to inquire about the benefits the policy offered, they had to have a case manager come and evaluate them to see if they meet the criteria. The criteria doesn't include things like able to cook, clean, do laundry, transport to appointments, pay bills, take meds accurately. The criteria they use is "eat" (requires a stomach tube), care for their incontinence by themselves, ambulate on their own (doesn't include distance, like to the kitchen, or bathroom), bathe themselves. They only pay for "licensed caregiver", either nurse, physical therapist, certified nurses aide. Pay $41 a day for the aide (who is going to work for that, and the number of hours the would work for that total wouldn't be that long). They pay $91 for a "registered nurse" (no practical nurses), and $58 for a physical therapist. My daughter and I have been doing all of the "non qualifying chores for almost two years at this point, parents refuse any other help (which is good because we can't get much help from the insurance obviously). I also inquired about obtaining "respite care". Nope, need to be living in the house (I live across the driveway) but my mother could get respite (she does nothing to need respite anyway). So, for these benefits my parents pay $205.74 per month. So, don't count on any help from any one but yourself. I can't even say you get what you pay for in my case. I certainly hope that things go better for you. Take care of yourself and give yourself a hug for being a special person!!!
carolelpage
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read the policy,after all it is a legal binding contract. always remember,"insurance companiies are in business to make money,not to make us happy.they serve the purpose of having insurance when it is needed.
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