Some individuals have paid for private, long-term care policies to help them offset the cost of care as they age. In most cases, these policies provide a benefit for care in assisted living communities. Keep in mind: No two long-term care insurance policies are the same! We have come to find that policy benefits are very dependent on what each individual elected with their insurer. 

In general, most insurers will have definitions, or criteria, that they require the covered individual to meet before payment coverage can be realized. Some policies may also have introductory periods where there will be non-payment for the first 30 to 120 days of care. One important fact to mention, long-term policies will never pay assisted living communities directly. Policyholders will receive payment directly from their insurer. No exchange of monies takes place between our community and your insurer. 

In every case, we provide our licensing information to each insurer. Additionally, we work with each policy manager to ensure they get the reporting forms and information they need to continue to process monthly disbursements to their policyholders.