Long-Term Care Insurance

Long-term care insurance (LTCI) is a type of insurance that helps cover the costs of services needed for individuals who have a chronic illness, disability, or other long-term health conditions that require assistance with daily activities (such as bathing, dressing, or eating). This type of insurance is designed to help individuals manage the costs of long-term care, which may not be covered by traditional health insurance or Medicare.  

Long-Term Care Insurance is a specialized form of insurance that is purchased while the policyholder is still in good health, typically earlier in life. It serves as an investment in their future healthcare needs, providing coverage for long-term care services if and when they are required.

At Coastal Comfort Caregivers, we work with clients who have long-term care insurance to ensure that they receive the care they need without the burden of high out-of-pocket expenses. Our experienced caregivers provide a wide range of services that may be covered under LTCI, including:

• Personal Care Assistance: Help with daily activities such as grooming, dressing, bathing, and mobility.
• Companion Care: Offering emotional support and engaging activities to help with socialization and mental well-being.
• Chronic Disease Management: Assistance with managing chronic conditions like diabetes, heart disease, and other ongoing health issues.
• Memory and Dementia Care: Specialized care for individuals with Alzheimer’s, dementia, or other cognitive conditions.
• Post-Surgery or Rehabilitation Care: Assistance during recovery from surgery or injury, ensuring proper care and support for healing.

If you or your loved one has long-term care insurance, or need a full time caregiver our team at Coastal Comfort Caregivers can help navigate your policy to ensure you get the most out of your benefits. We will work with your insurance provider to streamline the process, allowing you to focus on what matters most—receiving the care and support you need.