If (or When) You Need Care - Wouldn't You Prefer To Remain In Your Own Home?
Learn how an affordable home care insurance policy can pay for the care you need ... in your own home.
Every day 10,000 men and women turn 65 in the United States. The majority of them are hoping to age in their own homes.
With age often comes the need for care. It might be a few hours a day - just a few days each week. Or, it can be more.
Home Care Aides provide custodial care. They help with "activities of daily living" (ADLs) such as bathing, dressing, housekeeping and transportation. This is also referred to as personal care, attendant care, non-medical care and companion care.
Nationwide in 2021, costs for non-medical home care range from $16.00 - $28.00 per hour. The rates vary based on where you live (and demand).
These are average costs from home care agencies. Private individuals can be hired to provide most of the same services. Costs generally are 20% - 30% lower. However, independent caregivers are typically uninsured, they do not go through background checks and they may be unable to provide alternatives in case they are not available to work on short notice.
Little (if any) of the cost is covered by Medicare (or Medicare insurance). You'll most likely have to pay trhe cost yourself ... and it can add up.
Home care insurance policies can pay for needed home care. Home care insurance benefits can be part of a long-term care insurance policy. Or, there are now insurance policies that just cover home care.
Get costs for home care insurance coverage from 1 specialist
If you are between ages 50 and 89, there are several options available for you. Below we give examples of costs for someone age 63 and someone age 73.
But these are merely examples. To get actual insurance prices, you need to speak with a knowledgeable home care insurance specialist.
The Association does NOT sell insurance. We can connect you with an experiemnced and knowledgeable specialist who will educate you and provide pricing specific to your age, health and gender.
To Speak With a Home Care Insurance Specialist
Call the American Association for Long-Term Care Insurance 818-597-3227 - Between 9AM and 3PM Pacific Time
Click Here to E-mail The Association. We'll Connect With ONE LTC Specialist
The American Association for Long-Term Care Insurance does not sell or recommend any insurance products. If you ask for information, we will connect you with one independent long-term care insurance specialist who represents multiple insurance carriers and can explain BOTH linked-benefit as well as traditional long-term care insurance.There is NO COST and NO OBLIGATION to buy from them.
Home Care Insurance Policy Costs - 2021 - PURCHASE AGE 63
| Single Male, Age 63 (2 year traditional LTC insurance with home care) | $ xxx |
| Single Female, Age 63 (2 year traditional LTC insurance with home care) | $ xxxx |
| Single Male, Age 63 (1 year STC insurance for home care) | $ xxx |
| Single Female, Age 63 (1 year STC insurance for home care) | $ xxxx |
Long-Term Care Insurance Benefits based on
Short-term care insurance / Home Care insurance benefits based on
Annual Home Care Insurance Premium - Purchase Age 73
| Single Male, Age 73 (2 year traditional LTC insurance with home care) | $ xxx |
| Single Female, Age 73 (2 year traditional LTC insurance with home care) | $ xxxx |
| Single Male, Age 73 (1 year STC insurance for home care) | $ xxx |
| Single Female, Age 73 (1 year STC insurance for home care) | $ xxxx |
Long-Term Care Insurance Benefits based on
Short-term care insurance / Home Care insurance benefits based on
Watch this 6-minute video explaining home care insurance options
Click the image above to watch
If you are between ages 50 and 89, there are several options available for you. On the brief video (6 minutes) we give examples of costs for someone age 63 and someone age 73.
Let the American Association for Long-Term Care Insurance connect you with one specialist in Arizona who will provide information and costs (the Association does NOT sell insurance - though we believe in the enormous benefit of having home care insurance protection).
To Speak With an Arizona Insurance Specialist (with expertise in both long-term care and home care policies)
Call the American Association for Long-Term Care Insurance
818-597-3227 - Between 9AM and 3PM Pacific Time
There is NO COST and NO OBLIGATION to buy from them.
Long-Term Care Insurance vs. Home Care Insurance
Some thoughts from Jesse Slome, Director of the American Association for Long-Term Care Insurance
I have focused on long-term care insurance since the late 1980s. And, I co-founded the American Association for Long-Term Care Insurance in 1997.
And, as you can tell from the enormous amount of information on the Association's website, I believe that an EDUCATED CONSUMER is the best prospect for this important protection.
But here is one thing that I know ... and that you should know
Long-term care insurance is complicated - and there are many options.
I am a strong believer that some insurance coverage is ALWAYS BETTER than none. And, that some of the short-term care insurance and home care insurance policies available are great options.
Most people want to be cared for at home.
Many claims will last one year or less.
Home care or short-term care insurance can be far more affordable (than a fuller long-term care insurance option).
Some policies will accept applicants up to age 89.
Comparing the various available options is just one reason that the Association advocates for the importance of speaking with a knowledgeable long-term care insurance specialist. He or she will know the differences between the various policies and can help you get the best coverage that suits your needs as well as what you'd like to spend.
You can call the Association with your general questions. If you'd like us to have one specialist connect with you (free and of course they will never pressure you to do anything)
Call our offices at 818-597-3227
between 9AM and 3PM Pacific Time.