Many families in Nassau County rely on long term care insurance to help pay for in-home care services. Brookside Home Care works with families who have long term care insurance policies to coordinate care and help them maximize their benefits.  We are happy to provide a free policy analysis to help you understand the intricacies and features of your policy, including the elimination period, required Activities of Daily Living (ADLs), and inflation riders.

Long Term Care Insurance was specifically designed to assist with non-medical home care services such as personal care, companionship, meal preparation, medication reminders, and assistance with Activities of Daily Living (ADLs). Coverage varies depending on the policy and the insurance provider.

Long term care insurance policies can be difficult to understand, especially when a family is trying to arrange care quickly. Brookside Home Care helps families review the basic details of their policy, understand potential benefit triggers, and coordinate home care services that may be covered under the policy.

Every policy is different. Coverage may depend on the required Activities of Daily Living, cognitive impairment language, elimination period, daily benefit amount, and whether the policy reimburses for care provided by a licensed home care agency.

Our goal is to help families in Nassau County and Long Island get clear answers before care begins, so they can make informed decisions and avoid unnecessary delays.

Does long term care insurance cover home health aides?

Yes. Most long term care insurance policies are specifically designed to cover non-medical home care services, including personal care aides and home health aides provided by a licensed agency (LHCSA) like Brookside Home Care.

What triggers long term care insurance benefits in NY?

Most policies are triggered when a person needs assistance with 2 or more Activities of Daily Living (ADLs) such as bathing, dressing, toileting, transferring, or eating — or when there is a cognitive impairment such as Alzheimer’s or dementia.

How long is the elimination period for long term care insurance?

The elimination period is the number of days you must pay for care out of pocket before your insurance benefits begin. It typically ranges from 30 to 90 days depending on your policy.

Can I use long term care insurance with a private home care agency in NY?

Yes, as long as the agency is a Licensed Home Care Services Agency or LHCSA. Brookside Home Care is licensed by New York State and accepted by most major long term care insurance carriers.

How do I start using my long term care insurance for home care?

Call Brookside Home Care at (516) 593-5969. We will review your policy at no charge, help identify your benefit triggers, and coordinate care so you can start services as quickly as possible.

Brookside Home Care is a Licensed Home Care Services Agency (LHCSA). As such, we are licensed by the State of New York to provide assistance with Activities of Daily Living (ADLs) and can accept most forms of Long Term Care Insurance

Here is a list of some of the providers we have dealt with in the past…

• Allianz
• Aetna
• Conseco
• Genworth
• John Hancock Life Insurance
• Mass Mutual
• Med America
• Met Life
• Unum

If you are unsure whether or not the services you require will be covered by a third-party payer, give us a call and we will assist you in attaining the information you need to get the most out of your insurance and to maximize your long term care insurance benefits.

Brookside Home Care takes a tremendous amount of pride in assisting our Veterans.  We are an active provider in the Homemaker and Home Health Aide program offered by the Veterans Administration (VA).  Through this program, Veterans may qualify for up to 16 hours per week of Home Health Aide services.  Feel free to contact us if you think you may be eligible.

If your loved one has long term care insurance or may qualify for VA benefits, Brookside Home Care can help you understand how your coverage may apply to in-home care services.

Call (516) 593-5969 to speak with our care team.