Navigating a long-term care policy can be daunting, especially when the need for financial assistance to help cope with a new or worsening condition arises with little warning. The policy could have been in place for years and what was known about it initially has been forgotten with the passage of time. Or, loved ones who weren’t familiar with the policy are now struggling to understand.
Amy Natt from Aging Outreach Services offers several steps in this sponsored article in The Pilot to aid in navigating what may at first seem overwhelming. First off, it’s important to initiate a claim. A simple phone call to the claims department, or a quick search for an email is all that’s needed to find out what forms are needed to determine eligibility. Especially important for filling out these forms, Natt says, is maintaining records of any medical services received including dates and names of providers.
The second step is to find out if the senior is eligible to receive benefits. This proof of eligibility can come from a medical provider who details the specific assistance needed, or gives a diagnosis. Information like this will help the policy administrator to understand what services are appropriate and what the long-term care policy covers.
Lastly, Natt advises approving a provider for long-term care. Here’s where reading the fine print on the long-term care policy is vital. And ask the policy holder for any additional clarification needed. This may include defining terms, and/or verifying any services and dollar amounts. Understanding exactly what is and isn’t covered can save a lot of stress in the long run and allow for better planning.
Though these steps break down the process to receiving the full benefit offered by a long-term care policy, it still may feel too confusing. In that case, Natt suggests reaching out to professionals for help. A care manager, attorney, or a person working with the long-term care provider all would be adept at guiding you through the process. We at Ardenwoods and Heather Glen are poised to assist you in any way we can. Call 828-684-7330 to start the conversation!
*The information offered comes from an article sponsored by Aging Outreach Services. This does not imply our endorsement of this or any other care management provider. It is highly recommended that you do your own research to find care management that best suits your individual needs.