Home Senior Care & Long Term Care Insurance in Monroe Township, NJ

Some long-term care insurance policies only cover specific types of home senior care

In home senior care in Monroe Township, NJ, can be a beneficial solution for seniors who need a little help to stay safe and independent in their homes. We provide a wide variety of senior care services which can be customized to fit your loved one's individual needs. Our motivated caregivers could help your loved one with bathing, dressing, walking, preparing meals or light housekeeping. They can run errands for your senior and remind them when it’s time to take medications.

If you are concerned about financing home senior care, long-term care insurance can help you pay for costs which are not covered by private medical insurance. This way you will minimize the financial impact of long-term health care. Be aware that most companies do not insure people with preexisting medical conditions, so it’s simpler to purchase long-term care insurance before health issues arise.

As the number of candles on your parent’s birthday cake gets bigger, long-term care insurance becomes more expensive. Costs go up for people who are older, have health problems, or want more benefits.  Often companies require a senior must pass a physical before he is offered coverage. Your loved one should get insurance on time, but be sure what they are buying.  Many companies sell long-term care insurance, so we recommend your senior shops around and compares policies. They should be aware that some policies cover only specific types of long-term care, while others will cover a variety, such as nursing home, assisted living or in-home care. Your loved one should figure out if they have other assets or income that could help them pay for long-term care. The less they need, the better, because their premium will be lower.

For more information on long-term care insurance and paying for senior home care, please contact our Comfort Keepers office in Monroe Township, NJ!

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