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Chicago Long term care is a recent addition to your health insurance plan. Because long term care is a relatively new type of insurance coverage, many people are not clear on what the policies cover, who is entitled, and how they can update their present policies. Most all insurance policies identify long term care in a similar manner even though exact policies and benefits vary from state to state. A licensed practitioner must not have certified a "chronically ill individual" as such, before the long term care policy has been purchased in Chicago, Ill as well as anywhere else in the United States. A "chronically ill" individual is defined as someone who has become incapacitated by at least 2 out of 6 of the basic activities of daily living (ADL's) which include transferring, bathing, toileting, dressing, eating and continence, or have been diagnosed with the same previous condition. A common mistake of many people is in thinking that Medicare covers long term care insurance completely. The truth is that Medicare covers up to 100 days of "specialized care" and NOT long term home care or general nursing home care, so you must plan ahead.
Levels Of Long Term Care, Chicago Or Beyond
The University of Chicago has researched long term care in Chicago extensively, and for more information please access their websites. There are three general levels of Chicago long term care:
- Skilled Care: Daily nursing care under the supervision of skilled medical personnel (nurses under a physician's orders).
- Intermediate Care: Similar to skilled care, only intermittent nursing or rehabilitation care. Hospice could be included in certain polices.
- Custodial Care: Help with daily activities (ADL's) Those performing the assistance do not need to be medically skilled, but the care is based on a physician's certification.
There are certain regulations on pre existing conditions, and once a disabling condition appears it may be too late to insure. Generally around 50 years old many begin to look at long term care with their parents. But there is no perfect policy, even with the use of Chicago long term care. So you must investigate your long term options. The greatest threat facing older people and their families today may be the financial, social, psychological and familial consequences of needing long term care.
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