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If your mother was in an assisted living facility for a short time but has now been independent for 3 years can she qualify for LTC insurance?
Wiki User
∙ 15y ago
== == It depends on the company and what she was in the assisted living facility for. The question "are you currently residing in, or plan to enter..." is the question on an application that would deny coverage. People could be residents of a facility that would not harm their chances to get future coverage. Joint replacement- you could have someone that decides to stay in an assisted living facility during rehab. When the rehab is done they return home. Just because they were in an assisted livng would not be important for the future underwriting consideration.
Wiki User
∙ 15y ago
It will depend on the specific requirements of the long-term care insurance policy and the individual's current health status. Some policies may consider applicants who meet certain criteria for independence and health, while others may not. It is best to contact the insurance provider directly to discuss your mother's situation and determine her eligibility.
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How do we get long term care insurance to pay for assisted living care for mom?
To use long term care insurance to pay for assisted living care for your mom, you will need to review the policy to ensure that assisted living is a covered benefit. Contact the insurance company to understand the specific requirements for coverage and the process for submitting a claim. You may also need a healthcare provider to document your mom's need for assisted living care to support the claim.
Do you have to be a senior citizen to live in an assisted living facility?
No, you do not have to be a senior citizen to live in an assisted living facility. These facilities typically cater to individuals who need help with daily tasks such as bathing, dressing, medication management, and meal preparation. Age requirements may vary depending on the facility, but many accept residents who are 18 years or older with disabilities or health conditions that necessitate assistance.
Joe Jedlowski How do you pay for Assisted Living?
Joe Jedlowski, Residents or their families generally pay the cost of care from their own financial resources. Depending on the nature of an individual's health insurance program or long-term care insurance policy, costs may be reimbursed. Government payments for assisted living residences has been limited. Some state and local governments offer subsidies for rent or services for low-income elders as well as some U.S. Veterans qualify for Aid and Attendance to assist with the costs.
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Would social security benefits pay for assisted living facility when there is no other income?
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How do we get long term care insurance to pay for assisted living care for mom?
To use long term care insurance to pay for assisted living care for your mom, you will need to review the policy to ensure that assisted living is a covered benefit. Contact the insurance company to understand the specific requirements for coverage and the process for submitting a claim. You may also need a healthcare provider to document your mom's need for assisted living care to support the claim.
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