If you’re looking into hiring a professional home care agency like Visiting Angels Denver, applying for long-term care insurance can help make our services in Wheat Ridge, Denver, Golden and surrounding Colorado towns more affordable

The vast majority of seniors want to continue living at home as they age. In fact, eight out of ten say that they do and it makes sense. Nobody wants to have to move and our homes are the place where we feel the most at peace, which may be additionally comforting to older adults who may be dealing with new challenges like chronic illness or the loss of someone close to them. However, paying for home care assistance can be difficult for some families. Sometimes, you might feel like you have to make a choice between quality care and affordable care.

At Visiting Angels of Denver, we accept a wide range of payments. However, over the years, we have come to realize that one of the most convenient ways to pay for long-term senior care is with long-term care insurance. If your loved one is not yet in need of advanced care but you think they may be soon, it is a good idea to start talking to them about it.

What is Long-Term Care Insurance?

Most people associate this type of insurance with care provided in nursing homes. However, it covers so much more than the care provided in nursing homes or assisted living facilities. It also covers professional in-home caregivers for individuals with acute illnesses, long-term health conditions, permanent disability or terminal illnesses.

For the most part, aging adults start looking into this type of insurance plan in their 50s or 60s. However, your loved one can sign up for it even if they are a bit older. Depending on the insurance provider your loved one decides to sign up with, they may need to wait for a certain period before they can start using their insurance.

Why Choose Visiting Angels Denver?

Older adults who need assistance with the tasks of daily living benefit from long-term care. For the most part, this refers to seniors who need help with things like bathing, dressing, toileting and feeding. However, Medicare plans often do not cover this type of care and Medicaid only covers the cost in certain circumstances, so getting an insurance plan is one of the best ways to cover the cost of care for your elderly loved one.

At Visiting Angels, we have been active in Wheat Ridge, Denver, Aurora, Lakewood, Golden and surrounding communities in Colorado for a long time. We can schedule an in-home visit to speak with you and your loved one about our home care services and long-term care insurance.

If you're interested in learning how long-term home care can help your loved one, contact our Wheat Ridge, CO office today.