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Your Guide to Long-Term Care Insurance Begins Here

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Long-Term Care Insurance

Maximizing the benefits of long-term care insurance begins with understanding your policy.

Long-term care insurance can provide extraordinary peace of mind, but utilizing those benefits can wind up to be a perplexing experience for seniors and their family members. To help lead families through the process, San Diego Home Caregivers provides this helpful overview.

Which services are covered?

Prior to filing a claim, it is important to carefully review the long-term care insurance policy in order to gain an understanding of the types of services the policy covers. If you do not have a copy of the policy, get in touch with the provider to ask for one.

Although all policies differ in what they cover, long-term care insurance usually covers non-medical services in the home with the condition that support is necessary for two or more activities of daily living, or the policyholder has been diagnosed with some type of cognitive condition, such as dementia. Examples of the type of care that long-term care policies might cover include:

  • Personal care, such as bathing and dressing
  • Transfers and ambulation
  • Using the bathroom and incontinence care
  • Meal preparation and feeding if needed
  • Housekeeping
  • And more

If you or a senior loved one would like assistance understanding the details of the policy, an insurance agent, elder care attorney or financial planner can help.

Are all of the costs of care covered?

While individual plans vary, every plan details the permitted monthly coverage, which is identified as the “present daily allowance,” and frequently has a specified lifetime maximum. Policies also usually identify a particular duration of time for which the benefits are accessible, such as five years, or the coverage may be effective for the policyholder’s lifetime.

It’s also important to check the long-term care plan’s elimination period. The elimination period is the time during which the cost of care is paid out-of-pocket until a predetermined amount of time has gone by. Although some plans identify a zero-day elimination, which means cost for care and coverage begin immediately, other policies might require up to 120 days of care first.

Choose your care provider carefully.

If you plan on filing a claim for long-term care insurance, it is important to work with a home care company with experience in billing long-term care insurance providers; otherwise, there is the possibility that the claim may not be reimbursed. San Diego Home Caregivers has experience with helping families obtain their long-term care insurance benefits and can provide the documentation needed to help clients file claims properly.

How can claims be filed?

In order to file a long-term care insurance claim, the following documents are usually required:

  • A claimant’s statement (or policyholder statement) describing the reasons for the claim
  • A statement from a doctor, verifying that care is warranted
  • A prescribed care plan and nursing evaluation
  • A provider statement, completed by the home care agency
  • An authorization form

Once completed and submitted, a phone interview is scheduled with the insurance company’s claims department.  In the next step, the claim is either approved or denied.

If you are looking to receive home care services through a long-term care policy, call San Diego Home Caregivers today at (619) 487-9000. You can feel confident in knowing that we have years of experience in not only providing exceptional care in the comfort of home, but also in assisting families with long-term care insurance claims and getting the most out of their plan. To learn more about our premier options for senior care in San Diego and surrounding areas, please contact us today.

Learn Family Elder Care Tips to Create Joy Each Day at Home

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Elder Care

Incorporating activities and stimulation each day is rewarding for both seniors and caregivers.

An incredible number of individuals nationwide are finding themselves in the position of providing elder care for an older family member, and while being a family caregiver is very fulfilling in many ways, the everyday duties involved with senior care can become tedious for both the caregiver and the care recipient. San Diego Home Caregivers, providers of the highly skilled home care San Diego and surrounding area residents need, wants to help you put the fun back into your loved one’s day-to-day routine. All it takes is a little inventiveness! Try some of these ideas to make daily senior care more interesting:

Add Style

These recommendations can add some style and fun to dressing, doing laundry, and other tasks:

  • Ask the senior to help with laundry (sorting/folding/putting away). Make the most of this time to discuss your day, a television show you both like, or other common interest.
  • Flip through magazines and catalogs and choose fashions you think the other would look good in.
  • Make selecting clothes and accessories to wear every day a fun event.

Spice Up Meals

Food is part of our culture, family history and traditions, and is associated with numerous emotions. Make mealtime more fun by:

  • Involving the senior in washing/drying dishes.
  • Inviting the older person to assist in making a traditional family meal.
  • Enjoying meals outdoors when weather permits.

Try Something New

There’s always something new to be learned, and no better time than now to try a new hobby or pursue a goal. There are a variety of virtual classes available, with some targeted particularly to older adults and offering reduced (or no-cost) rates. Look for possibilities to learn:

  • A new language.
  • How to play a musical instrument.
  • Skills such as knitting, cooking, gardening, drawing – the options are limitless!

The elder care experts at San Diego Home Caregivers know that providing care for an older loved one can be both rewarding and intimidating, and we want you to know that you are not alone. As a leading provider of the trusted home care San Diego area seniors deserve, we offer quality companionship, personal care services such as showering, dressing, and grooming, respite care, and motivation to engage in a variety of enriching activities.

Contact us at (619) 487-9000 to learn more about personalized options for home care in San Diego to brighten up everyday life for a senior you love. See our full service area including San Diego and other communities in North County.

Creating Purpose and Enhancing Health with Engaging Activities for Seniors

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Activities for Seniors

Escape the boring routines and discover how home care can enrich your life!

Is your senior loved one participating in enriching activities on a regular basis, or is he or she stuck in a rut that consists of watching television, eating, and sleeping? Particularly during this time of quarantining and isolation, it can be difficult to maintain an active and involved way of living – but it’s crucially important for the health and quality of life of aging adults.

At San Diego Home Caregivers, we believe that enhancing home health care services with enjoyable activities for seniors is a key component of ensuring the highest quality of life. San Diego Home Caregivers is one of the leading providers of home health care in North County and the surrounding area, in part because we believe the individuals we serve ought to be honored with activities that engage them and help them remain involved in living life to the fullest on a daily basis. As a result, our in-home caregivers individualize activities to match each person’s distinct interests, hobbies, and ability levels.

Our person-centered care begins with discovering as much as possible about the individual’s preferences, dislikes, hopes and dreams, interests and life history. We get to know each person through an interview that may also include other family members if desired, and then build a personalized plan of care to incorporate a variety of appropriate enrichment activities.

Some of the benefits of including enrichment activities for seniors include:

  • Alleviate boredom and lack of enthusiasm
  • Enhance self-confidence and independence
  • Renew or increase purpose and meaning to life
  • Help improve memory
  • Restore physical abilities
  • Foster a sense of wellbeing for older individuals struggling with a chronic health problem

Successfully enhancing seniors’ daily experiences means not just customizing their activities to meet their individual preferences and tastes, but also ensuring that their daily routine has some variety. This means that on a particular day we may concentrate on activities that are created to boost their inventiveness with a simple but meaningful art project. Another day, the focus may be on just having fun with a board game or taking a short walk around the neighborhood. Ultimately, our senior home care services are customized to help older individuals develop the highest possible quality of life.

It’s equally important to use some resourceful consideration when identifying activities for older adults during a time such as this when it’s best for older adults to stay at home. This might include activities such as taking virtual field trips to check out places of interest, making full use of technology like Zoom and Skype to keep in touch with loved ones, or streaming a live concert featuring his or her favorite genre of music and dancing, singing, or tapping our toes together. Our care professionals are always available to help spark creative ideas.

At San Diego Home Caregivers, improving the daily lives of seniors and optimizing their independence are central components of our mission. Our home care services are created not only to support seniors’ physical needs, but to enhance their everyday experiences with activities designed for seniors. Contact us any time at (619) 487-9000 to learn more about the leading provider of home health care in North County and the surrounding area.

San Diego Home Caregivers Helps Seniors Maintain Independence and Safety at Home

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Independence and Safety at Home

Helping seniors maintain independence and safety at home is the goal of San Diego Home Caregivers.

Ask most elderly people if they wish to stay in their home, even if they are having difficulty coping, and the reply is normally a resounding “yes!” Having to move away from their home, the place which includes so many memories, can be frightening, even if they realize that it’s getting more challenging to cope. But, wishing to continue to be at home and having the option to remain at home, all alone, are two different things. So what can you do? Even as a full-time, live-in family caregiver, you are not able to do it all independently. You need help and it may be that in-home care is the solution.

Lots of families find that planning for this kind of care necessitates the input of a professional who thoroughly understands all of the options. And it’s true — appropriate care coordination from an aging care specialist will help every person involved feel much more organized and secure.

Who Can Help?

Many older people have the need for assistance with a number of aspects of their life, including meal preparation, getting to and from doctors’ appointments, taking medications, and conducting the activities of daily living. Trying to organize all of these facets can be a daunting task for a family caregiver. What many people do not recognize is that home care agencies, like San Diego Home Caregivers, can help identify, locate, and coordinate all of the components for successful aging care at home. They can even unearth possibilities that may not have been first considered.

Home care agencies have resources and contacts that can be incredibly beneficial for families who are in the process of planning for long-term care. The experienced staff and caregivers from San Diego Home Caregivers are always on hand for help with home care assistance in San Diego and the surrounding communities. We can help you figure out the right plan of care for your loved one and assist with all his / her care needs, always customized to each individual and including a wide variety of services, such as:

  • Assistance with personal hygiene needs, such as showering, dressing, etc.
  • Planning and preparing nutritious meals
  • Providing friendly companionship to boost socialization
  • Light housecleaning and laundry
  • Errand-running, such as grocery shopping and picking up prescriptions
  • Transportation and accompaniment to medical appointments and pleasant outings
  • And much more

Call us at (619) 487-9000, so we can arrange for an in-home evaluation to learn more about the challenges your loved one is facing, and offer solutions, such as a caregiver specializing in home care assistance in San Diego and the surrounding areas, to help maintain independence and safety at home.

Home Care Advice: How to Talk to Loved Ones About Senior Care

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Coming to terms with the fact that an older loved one is in need of help at home can be challenging. Even more challenging is talking about the need for care with that elderly loved one and encouraging him or her to agree that assistance is necessary. If you have viewed changes in your loved one and you sense the need to initiate speaking about home care as a solution to enhance safety and independence in the home, take our home care advice and try these conversation starters to broach the subject in a subtle, non-confrontational way.

If heightened frailty is getting to be an issue:

“I love you, Mom, and now that you’re living by yourself, I’m concerned about your safety. I know someone who can help us to make the home less dangerous and make it simpler for you to get around and remain independent. Can I have her come over to have a discussion with us? It would put my mind at rest.”

If there is a chance of falling or mobility has diminished:

“Since the time that you fell recently, I’ve been concerned about it happening again. I know someone who can come and give us recommendations on how to make the house safer and prevent falls from taking place. I’d love for us to get together and have a conversation with her and see what ideas she has for us.”

If declining personal hygiene has become an issue:

“I’d love to have someone come several times a week to assist you around the house. Let’s work together to find a person you’d feel comfortable with. We can work with a professional agency to locate someone who shares similar interests as you so you’ll not only have some help from time to time, but also a good friend to enjoy spending time with.”

When a senior can no longer safely drive:

“I know that being unable to drive and get out as much as you’re used to has been hard. If we hire a home care assistant for a few hours several times each week, you could get back to enjoying all the activities that you’ve been missing, like visiting friends, shopping, and running errands.”

Bear in mind that, for many older adults, agreeing to help at home can feel like surrendering independence, and you may have to have several conversations before a solution is reached. At San Diego Home Caregivers, we’re on hand to partner with your family to help make life not only safer, but more pleasurable and fulfilling as well by providing valuable home care advice and top-rated senior care. Learn more about our in home support services in San Diego by giving us a call today at (619) 487-9000, or by filling out our online contact form to discover more about the best senior care in San Diego and the surrounding communities.