My 93-year old neighbor lives alone in a one-bedroom apartment in our 55+ apartment complex. She has LTC insurance that would provide a benefit of $105 per day at a nursing home or ALF. Her son worked for Soc Sec so she was able to buy into a good LTC policy for a reasonable price. From what I read, she must require assistance with 2 of 4 life skills (transfer, toileting, eating, and bathing) to be able to claim benefits. I think she is there but how does she prove it?
She is beginning to have issues with safely getting out of bed (especially at night when she needs to get to the bathroom) and safely taking a shower. She is still doing these tasks on her own but they are now becoming risky (risk of falling) activities for her to do alone.
We have been checking out local ALF's but the ones she really likes are slightly more expensive than she feels comfortable paying (wants to leave a legacy of about $100k) so she is looking to be able to tap her LTC insurance.
Has anyone been through the process of tapping the benefits of LTC insurance? Does my friend have to hire help to prove she should qualify for her insurance to pay for help? Her issues with balance have been documented by her PC doc and her cardiologist. She can still feed herself, walk with a cane/walker, and get herself on and off the toilet although she has some issues with urinary incontinence.
She's in great health for someone who is 93 but it's time to get some help. It's no longer safe for her to live on her own. I love her dearly and I want to help her figure out this problem. Any advice?
She is beginning to have issues with safely getting out of bed (especially at night when she needs to get to the bathroom) and safely taking a shower. She is still doing these tasks on her own but they are now becoming risky (risk of falling) activities for her to do alone.
We have been checking out local ALF's but the ones she really likes are slightly more expensive than she feels comfortable paying (wants to leave a legacy of about $100k) so she is looking to be able to tap her LTC insurance.
Has anyone been through the process of tapping the benefits of LTC insurance? Does my friend have to hire help to prove she should qualify for her insurance to pay for help? Her issues with balance have been documented by her PC doc and her cardiologist. She can still feed herself, walk with a cane/walker, and get herself on and off the toilet although she has some issues with urinary incontinence.
She's in great health for someone who is 93 but it's time to get some help. It's no longer safe for her to live on her own. I love her dearly and I want to help her figure out this problem. Any advice?