When might I or my family need home care?
Whether you need care for a short or extended period of time on a daily, weekly, or monthly
schedule, home care can benefit you or a loved one in a variety of ways.
After a severe or sudden medical emergency
If you or a loved one has experienced a serious medical emergency such as a major
surgery, heart attack, or fall, home care may be suggested by your physician. Many
medical facilities require an individual to schedule professional home care support
prior to being discharged from their medical facility. With home care support provided
by a caregiver, rehabilitation and recovery can be prioritized within the comfort of an
individual's own home environment.
For an ongoing or chronic condition
Home care is also beneficial when caring for you or a loved one with a chronic or ongoing
medical condition. This type of individualized care can provide many benefits not just
for the individual but for their family: Assistance with care needed throughout the
night, assistance with lifting or transferring, aid in medication reminders, as well as
the management of symptoms due to illness and the management of side-effects.
Establishing quality and individualized home care for you or a loved one with a chronic
or ongoing medical condition can allow that individual to live a more enjoyable, safe,
and healthy life.
After the passing of a spouse
Home care can be very beneficial if you or a loved one experiences the death of a spouse.
The individual who experienced the loss may feel alone and want companionship or need
assistance with daily activities previously performed by the spouse that passed. Home
care can assist by preparing meals, household tasks, transportation, as well as provide
means to stay in touch and active with friends and events.
Also known as "self-pay," using personal finances from you or a
loved one to pay for home care services is usually the most common method of payment. We
can bill you or a loved one directly on a regular basis at an agreed upon rate
established during a Care Indeed home assessment. This would include but is not limited
to credit card payments or additional options via services such as Autopay or software
such as the Family Room Portal.
Many areas offer government funded "entitlement programs" that offer to pay for
specific amounts or a percentage of home care services available for target groups of
seniors. For more information, be sure to consult with your Local Area Agency on Aging
regarding any active programs available in your or loved one's area.
Long Term Care Insurance
If you or a loved one has long term care insurance, you may discover that
the benefits provided under this program can help pay for home care. The claim
requirements are all done electronically for easier and faster processing and we can
even assist you during this process. Consultation with the current insurance provider is
recommended however to ensure you or your loved one's plan does include coverage for
home care services.
If you or a loved one are a veteran or their spouse and are over the age of 65 and
disabled, Veteran's Affairs may be an available option when looking at how to pay
for home care services. We encourage all senior veterans to consult the Department of
Veteran's Affairs and speak with a VA representative to determine eligibility for
What is long-term care insurance?
Long-term care insurance helps to target a wide range of services that may not be covered under a
regular health insurance plan. This includes coverage for services such as activities of daily
living: like light cleaning, bathing, and getting in and out of bed.
Additional benefits of long-term care insurance
Employer-based health coverage will not pay for daily, extended care services. Medicare
on the other hand may cover a short period of in-home care, but only under strict and
Long-term care insurance is designed to help offset the cost of care when you have a
chronic condition, illness, or disability such as Alzheimer's or Parkinson's
disease. Many policies will reimburse you for provided care received in a variety of
places such as:
- An assisted living facility
- A nursing home
- Your home
How do I apply for long-term care insurance?
Similar to other insurance policies, you will need to fill out an application with the
company of your choice. The application will request basic contact information and
policy-specific medical questions. Most long-term care policies have a maximum payout
amount that would limit both daily as well as lifetime payouts received under the
policy. Based on this, you will want to select a plan that best fits your needs based on
the tradeoff of coverage offered and the premium charged for the policy.
Once the application is filed and approved, you will receive your effective policy and
begin paying premiums towards your coverage.
When is it too late to apply?
While it is truly never "too late" to apply for long-term care insurance, as
the premium starts to increase as you age. Additionally, the longer you wait to apply,
the more likely you are to be denied. Of applicants aged 70+,45% of applicants have
their applications denied, compared to less than 18% denied for those younger than 55.
At a certain age, the premiums charged may begin to outweigh the benefits offered by the
insurance policy. There is a large benefit to purchasing long-term care insurance early
in life rather than later.
When can I file a claim?
Though there is no designated filing time, the best moment to file a claim is the moment
you or a loved one is showing signs of needing care. Most long term care insurance
policies involve "elimination periods" or waiting time frames prior to pay
outs. Additionally, this elimination period can last anywhere from 30 to 90 days,
meaning the payments for home care services will have to come out-of-pocket until it is
reimbursed by the insurance policy.
Additional factors contributing to the cost
There are many factors that can affect the cost of long term care insurance for you or
your loved one other than simply age. Some additional factors that play a role in your
cost of premium include:
- Current Health
- Marital Status
- Insurance Company Chosen
- Type of Coverage Chosen
What is a Caregiver?
The answer to this question can be very different for each individual depending on their need of
care as well as the avenue which a caregiver is hired – through an agency, an online
marketplace or referral agency, or an independent caregiver.
Which method is right for me?
The options for finding an individualized caregiver can be confusing and have their own
respective pros and cons. We have provided some insight to help clarify the options available to
you in your search.
When your needs involve non-medical care, and you are working with a reputable home care agency,
your caregiver will be trained, knowledgeable, and experienced in one of three avenues:
Experienced Care Professional
Many caregivers have paid professional working experience within the home care
field. Many times their career is sparked when caring for a loved one and
discovering a love of providing care to others. Often professional caregivers do
not have a certification or specific degree. They develop and hone their skill
sets and knowledge through training and first-hand experience.
A Home Health Aide (HHA) is a specialist that is trained to assist with an
individual's Activities of Daily Living (ADL) as well as their personal
care. An HHA in most cases, is more suitable to working within an
individual's home or place of living than a certified nursing assistant
(CNA) would be. HHA's however, are more limited in the tasks they can
provide when compared to a caregiver that has a certification
Certified Nursing Assistant
A Certified Nursing Assistant (CNA) is a caregiver who has completed an approved
and accredited training program and received licensing within their respective
state. A CNA often works within medical facilities; however they can also
provide care within an individual's home or place of living. Additionally, a
CNA is able to provide more medical related care than a caregiver without
licensing would be able to provide.
Which Caregiver is right for me?
At Care Indeed, we have a highly knowledgeable and diverse team of caregivers available with a
shared passion of caring for others. With such a vast group spanning different cultural
backgrounds, ages, experiences, and languages spoken, we ensure that we provide you with the
right caregiver to match your needs.
Each of our caregivers are skilled professionals that have been highly screened prior to joining
our team to ensure we provide the best care to our clients. Care Indeed matches a caregiver with
you that is the best fit for both you and your needs.
Professional Caregivers You Can Trust.
Whether a caregiver has gained their knowledge and expertise while performing the job, or
completed training within a classroom setting, we value both approaches at Care Indeed.
Regardless of certification, level of training, or experience, every Caregiver on our team has
been thoroughly screened in-person, background checked, as well as verified on their skillsets,
and knowledge of the industry before earning a spot on the Care Indeed team.
Do you have more questions?
Are you still unsure about what a caregiver is? Do you have other questions we might not have
What is Home Care?
Home care is based on the belief that older adults should be able to age at home with the level
of care they need to be safe and comfortable.
It is the goal of your home care provider to ensure that you are able to live as independently as
possible while receiving the care you need to maintain the highest quality of life you deserve.
As our population continues to age, there becomes an increased need for varying care options,
particularly when 8 out 10 older adults express the desire to "age in place", or
receive care in their own homes. In its simplest terms, home care provides assistance with daily
living and household tasks.
Additionally, home care can also provide support through meaningful companionship for older
adults and peace of mind for their families.
While home care is commonly thought of as a service to assist aging seniors, it is also a
valuable resource when an individual of any age experiences an accident, surgery, or injury
– or is suffering from a chronic illness.
Home care can refer to two different types of care: