As we face challenges due to the Coronavirus (COVID-19) please follow the the recommendations of the CDC and your local medical community. I am available to my clients and new clients by phone, email, teleconferencing and if necessary and safe, in person meetings. The best way to contact me is direct email: Stay well and help others in need.

Has An Insurance Company Denied
Long Term Care Insurance Benefits
For You, A Friend Or Family Member?

We can help you or your elderly family member in need of assistance. For
almost 30 years we have been in the business of making sure people get the insurance benefits they paid for.

Long Term Care FAQ’s

Q:  What is long term care?

A:  Long term care provides services for people who have functional limitations and/or long term health conditions for an extended period of time. Services can be provided in a few ways including nursing homes or assisted living facilities, adult day care, home or community based settings, etc. Most long term care is non-skilled assistance such as aid in performing daily activities such as dressing, bathing, using the toilet, eating, etc.

Q:  Who receives long term care services?

A:  The average age of nursing home residents is 79. However, one in four people over age 85 lives in a nursing home. The majority or nursing home residents are considered disoriented. Need for long term care can happen to anyone, but typically it results from long-term illness. Unexpected injuries can also trigger the need for long term care.

Q:  What does Medicare and  Medicaid cover?

A:  Medicare can cover every American ages 65 or older, or patients who have a Medicare card reading “Hospital Insurance.” The patient must be admitted to the facility by a physician’s order within 30 days of a 3-consecutive night hospital stay. Typically, Medicare pays for 100% of the first 20 days of care. For days 21-100, a daily co-pay is required. Past 100 days, Medicare does not cover skilled nursing fees. Medicare covers events such as hospitalization and post-hospital rehabilitation. It does not, however, provide financial assistance for basic care placement.

Medicaid is state-managed healthcare and long-term care provisions program for the financially needy. Those with low income and very few assets are typically eligible for Medicaid.

Q:  How much do long term care services typically cost?

A:  Long term care services can add up. In the US, the national home health aide average cost is approximately $55,000, providing 8 hours of service per day. The national average for a private nursing home room is over $77,000. These amounts can be double depending on the area of the country.

For more information, contact Jonathan M. Feigenbaum Esquire online or call our office at 617-409-0539. We are happy to answer any questions you may have.

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