4. Long-Term Care Insurance

• Description: Private long-term care insurance policies are designed to cover the costs of long-term care services, including non-medical home care, that are not typically covered by health insurance or Medicare.

• Eligibility: Varies by policy. Clients must typically meet a "trigger" event (e.g., inability to perform a certain number of ADLs) and satisfy an elimination period.

• Services Covered: Personal care, homemaker services, medication reminders, and other support as defined by the policy.

• How to Verify: Clients should contact their insurance provider to understand their specific policy benefits, coverage limits, and claims process. Altus Home Support can assist with submitting documentation.

• Key Consideration: Policy benefits and requirements differ significantly between providers and individual plans.