Long-Term Care Insurance and Adult Day Care Services

How are adult day care centers related to long-term care insurance? This service is a blessing to those looking for respite care for an aging parent or loved one.

What happens when you are still working, raising teenagers and now you have a parent that just needs help that you cannot provide on a daily basis without putting a tremendous strain on yourself as well as your family and work schedule.

Hooray, here comes the Adult Day Care Centers to the rescue. The services they provide are really fantastic. Of course, it is not free unless the participant qualifies for Medicaid which is about $2000.00 in assets.

Here is where Long-Term Care insurance comes into play. These services are covered by many long-term care insurance policies.

The bottom line is that you will be able to keep your family member at home longer. They will receive help during the day and you can avoid the guilt of placing them in institutional care.

It may be time to consider choosing an adult day program when someone you know appears unable to provide himself or herself with any structure for daily activities, is isolated from others for more than a few hours a day and misses companionship, cannot be safely left alone at home or lives with someone who works outside the home or needs regular time away from home for other reasons.

It is important to check out the Adult Day Care Centers in your area to see exactly what services they offer and if they meet your needs.

The services offered may include supervision, meals and snacks, group and individual activities, formal exercise, inter generational programming, health monitoring, caregiver support ,group nursing services, transportation, therapeutic art activities, therapeutic music programs, therapeutic programming with pets, podiatry, hair care, manicures, health care, medication management, shower/bath, medical evaluation, therapeutic dance activities, specialized diets, horticulture therapy, reminiscence therapy, physical therapy, speech therapy, occupational therapy and massage therapy.

Consult with Dane Petchul, LTCP, CLTC, an independent long-term care insurance specialist before purchasing a policy. With no obligation, a plan will be designed with your specific needs in mind. He will make sure that adult day care services will be provided in the policy. For more information and a free Ebook on long-term care, visit: http://www.longtermcareinsurancepros.com/