At Heart, Body & Mind Home Care, we celebrate our clients’ individualities and strive to help them continue to live the lives they want with the help of our holistic home care services. If you or your loved one purchased a long-term care insurance you can begin using the policy benefits to maintain independent living at home or to supplement your care at an assisted living facility.
In order to receive benefits from your long-term care insurance policy you will need to meet two criteria: The Benefit Trigger and the Elimination Period.
Benefit triggers are the criteria that an insurance company will use to determine if you are eligible for benefits. Most companies use a specific assessment form that will be filled out by either a company nurse or a social worker. Once you have been assessed, your care manager from the insurance company will approve a plan of care that outlines the benefits for which you are eligible.
The elimination period is the amount of time that must pass after a benefit trigger occurs but before you start receiving payment for services. Think of the elimination period like the deductible you have on car insurance, except it is measured in time rather than by dollar amount. Most policy elimination periods are either 30, 60, or 90 days. During the period, you must cover the cost of any services that you receive.
Heart, Body & Mind Home Care works with all Long-Term Care insurance companies to help you get the benefits that you paid for over the years. As a complimentary service, our trained LTCi specialists will manage the process of long-term care claims for our clients and complete and file all paper work required by the insurance companies.
The Family Room is an online portal that brings Heart, Body & Mind’s clients, clients’ family and caregivers together to improve both care and communication. This technology increases transparency between the client and caregiver, improving the care and coordination of services for the client.
Family members can log in 24/7 to view future schedules, care logs, completed tasks, and invoices. Through the Family Room, family members can also take advantage of split invoicing to share payments for care. If your loved one is currently a Heart, Body & Mind Home Care client, click here to log in to the Family Room.
Caring for a spouse, parent or loved one takes time, effort and work. Family caregivers face challenges such as not knowing what to expect, what to do, or even how to react when it comes to their loved one’s care, illness, or disability. The Family Learning Center™ is an online training resource containing over 50 videos, self-paced courses and 30+ downloadable “How to Guides” created for individuals who are providing care to their loved ones.