|
|
 |
Prepaid
Home Care Contracts
 |
|
-
- Prime
Candidates:
- Those
who cannot qualify medically for a Long Term Care
Insurance policy or those for whom the premium is
unaffordable due to age or other circumstances.
-
- How
It Works:
- Based
on existing medical conditions and medication
regime, the company determines the number of days
and hours of service they will provide, as well as
the number of months necessary to wait before
pre-existing conditions can be covered. All
new conditions would be covered immediately.
-
- The
company has alliances with qualified local home care
agencies. Regardless of the prevailing cost of
care, you are guaranteed the contracted number of
hours. In some circumstances, it may be
possible to have the qualified aide of your choice
hired by the contracted agency for continuity of
care.
-
- About
the Contract:
- This
is NOT an insurance contract. The company
maintains a trust fund to cover future claims and is
insured by Lloyds of London to guarantee payment of
claims.
- The
contract is guaranteed renewable. The company
retains the right to increase the annual fee for an
increase in labor costs only...not due to your
illness, increasing age or medical situations.
-
- Services
Covered:
- While
covered custodial services and unskilled services
such as Easting, Bathing, Toileting, Dressing,
Shopping, Laundry and Cleaning are among the most
requested, there are many other quality of life
services available on an individual basis.
Skilled care is not included, but can be available
on a private pay basis.
For
more info on on prepaid home care contracts, or if you have other
questions, please call us at 631-393-5039 or email us at
info@ltcamerica.com.
|
|
