Its more if two people are in the home, even if only one needs care.
So its great to have the long-term care insurance reimbursement covering a sudden and ongoing expense.
Here are some tips, warnings and suggestions for communicating with insurance companies, caregivers, doctors and retirees.
Need a primer on long-term care insurance: Here’swhat it is and what it covers.
This doesnt mean you have to start with five days a week.
Our team has compiled alist of creative waysyou can fatten your bank account this week.
This is a long list, so dont get overwhelmed.
Well keep it updated as offers changes or expire.
As the client and caregiver get to know each other, the client will be open to more help.
Laundry, grocery shopping and meal prep can be added to the to-do list.
Did you know?
Let the doctor be the bad guy.
They can say they feel its safer for the patient to have some extra help, she said.
Their opinion usually carries more weight and (is) less hurtful than coming from the children.
Honesty is crucial in a medical evaluation.
Having a caregiver come in will allow both of them to be in a better situation.
Insurance companies will still cover that help even if a spouse or child is able to do it.
is for the husband.
Finding a New Normal with Caregiving
Keep trying aides until the match is a good one.
If the senior doesnt really click with them after a few weeks, ask to try two different helpers.
Long-term care insurers are fine with this.
Its the agency that gets approved for coverage, not the individual caregiver.
Katherine Snow Smith is a staff writer at The Penny Hoarder.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Ask one of these companies to help…
