Long Term Care Insurance in Parsippany

At 2nd Family in Parsippany, NJ, we understand the complexities families face when seeking quality in-home senior care. That’s why we offer services compatible with long-term care insurance, providing peace of mind and financial flexibility to our clients. Long-term care insurance policies often cover in-home care, with the coverage amount depending on the policy’s terms. We work with any insurance provider that offers a home care benefit, ensuring a wide range of seniors in Parsippany can access our services​​.

When it comes to long-term care insurance, there’s an important aspect known as the “elimination period.” This is a set time frame before the insurance benefits kick in. Starting care during this period can be beneficial because many policies are designed to backdate coverage to include costs incurred during the elimination period. This means that seniors can start receiving necessary care immediately without waiting for the end of the elimination period, ensuring continuous and uninterrupted care.

Our elderly in-home care services are diverse, including personal care, home care, dementia care, and transportation assistance. Comprehensive care plans are tailored to meet the individual needs of each senior, ensuring that you receive the exact support needed in the comfort of your own homes. Whether it’s assistance with daily living activities, managing dementia-related challenges, or ensuring safe transportation, our team is dedicated to enhancing the quality of life for seniors in Parsippany. We encourage anyone with long term care insurance in Parsippany looking for high-quality in-home senior care to reach out to us. Our goal is to provide care that not only meets the physical needs of seniors but also supports their emotional well-being.

Long Term Care Insurance FAQ

How does long-term care insurance cover non-medical home care for seniors?

Long-term care insurance typically covers services that assist seniors with everyday activities and personal care needs. This includes non-medical home care services like bathing, dressing, grooming, meal preparation, and companionship. The coverage depends on the terms of your individual policy, which may detail specific types of services covered, the duration of coverage, and any cost limits.

What steps should a senior take to use their long-term care insurance for home care services?

To use long-term care insurance for home care, seniors should first review their policy to understand the coverage specifics. It’s important to check for any pre-qualification requirements, such as a doctor’s certification of need. Then, contact your insurance provider to initiate a claim and find out the process for submitting care expenses for reimbursement. At 2nd Family, we can assist with all of this.

Are there any restrictions on the type of non-medical home care services covered by long-term care insurance?

Restrictions on non-medical home care services covered by long-term care insurance depend on the individual policy. Some policies might only cover specific types of care or have limitations on the number of hours or days of service. Seniors should closely review their policy or speak with their insurance provider to understand any restrictions or limits on the types of services and the extent of coverage provided.

Contact Us