Resources
Experience the warmth of personalized care at Safe Harbor Home Care, where your individuality is valued and your needs are met with genuine compassion
Let Us Help You Navigate Through Your Long-Term Care Insurance Policy
Planning for the future is a crucial step in ensuring a comfortable and secure life as we age. Long-term care insurance plays a vital role in this plan, providing financial assistance for extended care services. Navigating through the complexities of long-term care insurance policies may seem daunting. That’s where we come in. Safe Harbor Home Care is here to help you. We will break down the key terms and concepts to help you better understand and make informed decisions.
Understanding the Basics
Long-term care insurance is designed to support you financially when you require extended care due to chronic illness, disability, or aging. It covers services like home care, assisted living, and nursing home care, offering a safety net for expenses not typically covered by regular health insurance or Medicare.
Breaking Down the Terminology
1. Activities of Daily Living (ADLs): Basic self-care tasks such as bathing, dressing, eating, toileting, and transferring. Many long-term care insurance policies use ADLs to determine eligibility for benefits.
2. Elimination Period: The waiting period before your insurance coverage begins paying for your long-term care expenses. It’s essentially a deductible measured in days.
3. Benefit Triggers: The conditions or criteria that must be met to start receiving benefits. This often includes the inability to perform a certain number of ADLs or cognitive impairment.
4. Inflation Protection: An optional feature that helps your coverage keep pace with rising care costs over time.
How We Can Assist You
At Safe Harbor Home Care, we understand that the world of long-term care insurance can be overwhelming. Our goal is to simplify the process for you. We offer a step-by-step approach to help you understand your policy, from learning about your preferences to creating a personalized care plan tailored just for you. We are here to answer your questions, match you with the right caregiver, and provide ongoing support throughout the entire care process.
Planning for your long-term care needs doesn’t have to be a confusing journey. Let Safe Harbor Home Care be your guide in navigating through your long-term insurance policies. We’re here to ensure that you have the knowledge and support you need to make the best decisions for your future. Together, we can build a plan that provides peace of mind and security for the years to come.
Serving Long Island, New York
Enjoy the peace of mind that comes with having reliable and qualified professionals by your side at Safe Harbor Home Care of Long Island, NY. We service Nassau County, Eastern Suffolk County, and Western Suffolk County. Contact us to learn more about how our qualified caregivers can make a positive impact on your life.
Nassau County, New York
We provide Senior Home Care Services in Nassau County, New York.
Eastern Suffolk County, New York
We provide Senior Home Care Services in Eastern Suffolk County, New York.
Western Suffolk County, New York
We provide Senior Home Care Services in Western Suffolk County, New York.
BACKGROUND CHECK
It is important you are safe. All caregivers go through a background check.
COMPASSIONATE
Our caregivers are passionate about senior care. They take pride in looking after the elderly.
DEPENDABLE
Our caregivers are invested in your well-being.
RELIABLE
Our caregivers are in it for the long run, you can count on us.
EXPERIENCED
Experience is crucial, we will find you someone that is an asset to your health.
HELP WITH YOUR NEEDS
We have caretakers whom you can rely on. We have home health aides (HHA) if you require this.