Plans offer a benefit when recovering, convalescing, or needing assistance with activities of daily living (eating, dressing, bathing, toileting, etc). Both short term and long term care plans are available. Plans provide the comfort, safety, security of sleeping in your own bed at home.
Missouri & Illinois Home Health Care Plans
Less stress and burden on family.
Case Study: My kids will take care of me
"My kids will take care of me; we’ll take care of each other; I just won’t do it." Sound familiar? These are just a few of the statements made by seniors to avoid the reality that there may come a time for placement in a nursing home. The reality is that in the majority of cases, their kids or spouse are not physically, mentally, emotionally or financially able to provide the necessary care. There are ways to delay or in some cases, eliminate the possibility of this happening.
Today, there is more care being provided in one’s own home. It is being done by family members or by paying someone more qualified. The cost of professional care can range from $20.00 per hour for a Certified Nurse’s Aid to $50.00 an hour or more for a skilled professional such as a Registered Nurse.
Round the clock care can be done in several ways, by the day or by the hour. By the day is when a care giver lives in the patient’s home for 4 days and another one for 3 days. This is the least expensive. The cost can range from $195.00 per 24 hour day on up. This is almost $6,000.00 per month or more. The second way to pay for round the clock care is by the hour. At $20.00 per hour, 24 hours a day, 7 days a week, this can add up to over $14,000.00 per month. Not only the average retired person cannot afford this, a lot of upper middle class ones cannot afford it for very long. This is why sometimes people are placed in nursing homes because even at $8,500.00 per month, it is still less expensive than 24 hour care at home.
To assist in this financially burdensome task, there are insurance policies that pay for care in your home or someone else’s. These policies can pay all levels of care. Benefits can include assistance in ADL’s (activities of daily living, such as bathing, dressing, grooming, eating, mobility, toileting, taking medication, etc.) and IADL’s (instrumental activities of daily living, such as paying bills, cleaning, laundry, and meal preparation).
If you qualify for benefits, policies provide payments for qualified licensed agencies to provide care. Daily benefits can range from $30.00 per day to $250.00 per day, or more. The length of time you can receive benefits ranges from six months to a lifetime, and can start from the very first day you need care or have an elimination period where you pay for a period of time and then the policy pays.
When investigating matters pertaining to seniors such as long term care and other subjects, please seek the advice of professionals, the Senior Citizen’s Advisory Service Agency has worked with seniors since the inception of Medicare. You can put your trust in our qualified, highly trained representatives.