Homemaker Services
Non-personal support - meal preparation, housekeeping, errands - covered under home care benefits of comprehensive LTC policies.
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Practice This Concept
Which statement about home health care under a long-term care insurance policy is correct?
Home health care benefits provide care in the insured's own home, often including personal care and homemaker services — Most LTC policies offer home health care coverage, which provides care in the insured's own residence — a key reason people buy the coverage. Home health care benefits typically cover personal care (help with ADLs), homemaker services, and sometimes skilled visits, subject to policy limits. The settings covered by LTC insurance generally include nursing homes, assisted living facilities, residential care facilities for the elderly, home care, adult day care, hospice, and respite care. Home care lets people stay in familiar surroundings and is often the most-used LTC benefit, so understanding how it is triggered and limited is essential for client counseling.
National insurance concept
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