"Ordinary People With Extraordinary Caregiving Experiences." I recently had the privilege of being interviewed for the "Eldercare Illuminated" podcast by Lenore Tracey. Lenore is Eldercare Practice Leader at Torchlight. During our time together, we touched on the many ways that slowing down as mom's caregiver has helped our relationship, changed the way we interact, and … [Read more...]
Why Was My Long Term Care Insurance Claim Denied?
Purchasing Long Term Care Insurance (LTCI) is a key strategy many people use to ensure financial stability as they age. It is not uncommon to have a Long Term Care Insurance claim be denied. Filing a LTCI claim is hard and multiple contacts with the insurance company during this process is not uncommon. In this article, guest contributor Scott A. Olson, of the LTCShop … [Read more...]
Hospital discharge can happen very quickly. Will you be ready?
Start preparing for discharge the day your loved one enters a care facility. Most people unfamiliar with the healthcare system are under the misconception that hospital discharge occurs when your loved one is back to normal or when the family is ready. The reality is that discharge from an acute care hospital occurs when the acute medical crisis is stabilized, can be handled … [Read more...]
Medicare, Private Insurance, Long Term Care Insurance, Private Pay – Who Pays for Which Care Facility and For How Long?
If you think the alphabet soup of care facilities is confusing, let’s talk about payment. Note: Healthcare payments are constantly changing. This article summarizes the status as of September 2018, is geared toward those over 75 and deals with primarily with Medicare. This is not a comprehensive analysis / reporting of private insurance regulation. (Jump to Acute Care … [Read more...]
Acute Care (Hospital), Inpatient Acute Rehabilitation (IRF), Sub-Acute, SNF, LTC, LTAC – The Alphabet Soup of Care Facilities.
What is the difference between all these care facilities? When you are ill, or recovering from being ill, chances are you will spend time in what healthcare terms “A Care Facility”. The highest level of care is found in an Acute Care Hospital. If your health issues are resolved, you are discharged to home with no additional care needed. If you do need additional care, … [Read more...]