While most private home care expenses are paid for “out of pocket,” you may find additional resources, programs and/or information from a number of public and private sources. Feel free to CONTACT US anytime for more details or assistance.
PRIVATE HEALTH INSURANCE
Don’t just assume you’re not covered. Not all policies are alike. In general, most commercial health insurers will only pay for hospice and some skilled home care services; however, some policies occasionally will cover non-skilled, personal home care.
If your loved one has equity in their home, they may qualify for a reverse mortgage. A reverse mortgage allows you to turn your equity into cash and use it to pay for home care services.
If you require home care services because of a job-related injury, you may be eligible to receive coverage through worker’s compensation.
LONG-TERM CARE INSURANCE
Originally intended as protection from a lengthy and expensive nursing home stay, many long-term care policies have expanded coverage to include personal care, companionship and other home care services. Policy benefits can vary greatly from plan to plan, so be sure to check your coverage.
VA AID AND ATTENDANCE BENEFIT
Some veterans and their surviving spouses may be entitled to home care benefits through the Veterans Administration’s Aid and Attendance pension benefit. Veterans must meet certain eligibility criteria, including time in military service, thresholds for income and liquid assets, and non-service related medical conditions. For more information visit https://benefits.va.gov/benefits/.
If you meet certain requirements, you may receive funding from the Massachusetts Group Adult Foster Care (GAFC) program. We will help you do everything you need to determine your eligibility and get started.
There are many publicly-funded agencies and organizations that administer or support service programs to provide the supplemental assistance that elderly and disabled residents need to stay independent at home. It’s a good idea to investigate organizations such as your community senior center, local Council on Aging office, Aging Service Access Points (ASAPs), and local chapters of the Alzheimer’s Association, the National Easter Seal Society, and the American Cancer Society.