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LTC Staff
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on Wednesday, 08 April 2015
in LTC Insurance

Assisted Living Facilities: Balancing Care and Independence

As you know, Long Term Care insurance is meant to provide assistance in the event of a nursing home stay. You may not know that many policies insure against the financial consequences of a nursing home stay and also provide coverage for Assisted Living Facilities. These facilities provide a range of care, depending on the patient’s needs, but do so in a setting which feels much more like home.

Assisted Living Facilities are licensed residential facilities which provide room, board and 24-hour personal care to individuals with Long Term Care needs. It is an important care option for individuals who are not able to manage at home but do not need the level of skilled care provided in a nursing home. Residents receive help with the activities of daily living as well as housekeeping services, medication management, health and medical services, meals and many other services. Most facilities also provide a host of social activities for their residents which help to foster a sense of community, present opportunities for physical activity and provide intellectual stimulation.

The national median monthly rate for Assisted Living Facilities in 2014 was $3,500. Researching local facilities will give you a good idea of the cost in your area. If you would like more information about Long Term Care Insurance and how it can help you in the event of Assisted Living Facility stay, please give us a call at 1-800-524-9902 or fill out our online form in order to receive a free rate quote.

 

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