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?
Think of the Elimination Period like a deductible for long-term care insurance. Most policies require you to pay for home care services out of pocket for a set period of time before benefits begin. Depending on the policy, the Elimination Period typically ranges from 30 to 90 days.
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 the New York State Department of Health is an accepted provider 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 the Elimination Period and coordinate care so you can start services as quickly as possible.