Janell Sluga
Question: My spouse and I have Long Term Care Insurance, but we are not sure how to use it?
Answer: Long Term Care Insurance (LTCI) is an insurance product that is designed to help a person pay for the care he receives when they are sick. LTCI is not health insurance. It really is care Insurance. To qualify for coverage you must need help with your care. Generally the LTCI will begin to reimburse for care once help is needed with at least two activities of daily living (ADLs) more than half the time. The ADLs include six activities: walking, dressing, bathing, bathroom, eating, and transferring from chair to bed or the reverse. As we become sick we may need help with these ADLs.
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Discounts on services and products that benefit seniors are being offered by the American Association for Long-Term Care Insurance (AALTCI). Saving money on valuable and needed services has never been as important to millions of seniors, says Jesse Slome, director of the long-term care insurance organization. We are pleased to start making available special discounts that can benefit individuals, especially if and when they need care.
The organization announced it has started posting discounts on AALTCI s website. The first discount is a meal preparation service that can be invaluable for those who are housebound and unable to shop and prepare healthy meals, Slome notes.  Chefs For Seniors can customize meals based on dietary needs and the costs may even be covered by an individual s long-term care insurance policy.
The American Association for Long-Term Care Insurance (AALTCI) has announced a special effort to help consumers facing problems filing or receiving long-term care insurance claim benefits. The nation s long-term care insurance companies do an excellent job of helping policyholders with claims questions and filing support but from time to time people call us with issues or problems, explains Jesse Slome, director of the long-term care insurance organization. Typically the insurance agent who initially sold the policy is retired or a claim they believe should qualify for benefits is declined by the insurer.
To help consumers with claims questions or issues the Association will partner with Family Solutions For Care. The long-term care insurance claims assistance specialists have secured over $175 million in long-term care insurance benefits for families.