Long-Term Care Policy
What Is Long-Term Care?
A basic definition: Long-term care is any kind of service a person might need if they are unable to care for themselves, due to illness, disability or Alzheimer’s or other forms of dementia.
Several different services fall under the umbrella of “long-term care.”
- A nursing home or assisted living community
- In-home nursing care or non-medical care
- An adult day care center providing nursing care, therapeutic care, social and educational activities, and/or supervision
- Other services such as hospice care, respite care (to give a family caregiver time off), care after a hospital stay or help with household chores.
Long-term care insurance may pay for all or some of the above services.
Who We Work With
At Cambridge Caregivers, we have worked closely with several reputable insurance companies and a variety of long-term care policies.
While the following list is not exhaustive, it represents some of the companies we work with:
Long-Term Care Insurance Process
Submitting LTC Documentation to your LTC Insurance Provider:
- Client Submission Process
- Client opens a claim with the Insurance Provider.
- After each caregiving visit, daily care logs are automatically updated in WellSky, ensuring everything is ready for your LTC submission. Clients are required to submit care logs or invoices.
- Cambridge Caregivers provides daily care logs and invoices on a bi-weekly basis to the client.
- Cambridge Caregivers Submission Process
- Client opens a claim with the Insurance Provider.
- Cambridge Caregivers handles all documentation and submission to your LTC insurance provider. Clients are not required to submit care logs or invoices.
- Your LTC company reviews and processes the submission.
- You will be notified when the claim is in process, reimbursement will be made according to your policy.
NOTE: Long-Term Care Insurance has an Elimination Period that may consist of 30-90 days, contingent on the client’s individual insurance coverage. Reimbursement will be made according to your policy.
Contact
If you have any questions, please reach out to us at: [email protected].
To learn more about Long-Term Care, check out our white paper by downloading it from the link below!