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Long-term Care Insurance Coverage in NC


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9/23/2011
Brent Adams
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Elderly care that is not covered by Medicaid or traditional health insurance policies can rise to staggering costs. NC families who need their elderly loved one cared for can draw on long-term care insurance policies. Long-term care insurance covers nursing homes and other healthcare.

Policy holders can select from several healthcare options when they activate their NC long-term care insurance coverage. Special riders, comprehensive care and daily benefits are all variables on insurance policies. Custom riders protect policy holders from various factors like Inflation Protection, a special rider that locks in the holder's costs so that they don't rise with time. Families also have the option of selecting a facility care only or comprehensive policy. In addition to assisted living centers and nursing homes, comprehensive policies cover the cost of respite care, home care and adult day care centers.

Many elderly people suffer debilitating health conditions and long-term care benefits cover the costs for full-time medical support. Elders who already need daily assistance are typically not eligible for long-term care policies. There are special policies available for these types of applicants, as well as anyone suffering neurological conditions (dementia, Parkinson's, etc.), recent stroke history, AIDS or metastasizing cancer.

Long-term care policies do not cover any treatment in a government facility, self-inflicted injuries, services by a family member (unless they are an employee of a care center) and any services that Medicare already covers.

In order for a long-term care policy to start paying, the insured must be diagnosed as a "chronically ill individual." After the benefits begin, they continue for a predetermined time or until the insured no longer requires care. Most NC long-term care policies cover in-home health aides, hospice care, nursing home costs and other similar services.

If a long-term care policy isn't providing the coverage you thought would be covered and you're interested in opening a case for insurance dispute, one of the attorneys in Brent Adams & Associates Raleigh, Fayetteville or Dunn offices can assist you. Alternatively, if your loved one is already receiving care at a nursing home and you believe you have a case for nursing home abuse or neglect, or attorneys are available to assist you with this type of case as well.



Category: Insurance Disputes


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