Question of the Day: "Is private duty home care covered by Medicare or other forms of medical insurance?"

Answer:  In most cases, private duty home care translates to private pay home care, with families looking to their own resources to pay the cost.  Fortunately, an increasing number of families have obtained long-term care insurance policies, which provide a great deal of support toward the cost of in-home care, as well as, if needed at some point in the future, assisted living facilities. 

A second important source of financial support for in-home care for some families is Veterans Affairs Aid and Attendance Benefits.  The Aid and Attendance program reimburses clients who qualify a significant portion of homecare costs.  The process for applying is a bit complicated and lengthy, but it can be well worth it.

There are obviously other sources of income for seniors who want to “age in place” in their homes, including reverse mortgages, and so forth, but long-term care insurance and Aid and Attendance are the two every senior and every family should look at, whether it is for a senior today or planning for home care in the future.

Bert Cave
President of Support For Home
Sacramento, California  95825
Member of the national ElderCare Matters Alliance, California chapter

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