All posts by Paul Susic

St. Louis, Missouri Geriatric Case Managers 2017 Update Page #2

St. Louis, Missouri Geriatric Case Managers Overview

St. Louis, Missouri geriatric case managers may include a multitude of professionals who provide health services such as gerontologists, social workers, psychologists and nurses who focus on providing services related to geriatric or aging frequently on an on-going basis. St. Louis, Missouri geriatric case managers usually work privately with older individuals and their families, creating a plan of care that will meet their needs. The following organizations frequently provide some level of geriatric case manager services in St. Louis, Missouri:

St. Louis, Missouri geriatric Case Managers:

Beauvais Manor on the Park
Phone: 314-771-2990 Ext. 219 Fax: 314-771-7960
3625 Magnolia Ave., St. Louis, MO 63110
Website: www.beauvaismanor.com
Counties Served: St. Louis, St. Louis City
Hours: 24/7 Fees: Room rate $156.00 daily
Description: We offer Skilled Nursing, Rehab, Hospice, Alzheimers Secure Unit and Long/Short term placement.





Bi-Lingual International Assistant Services

Phone: 314-692-9010 Fax: 314-692-9014
8390 Delmar Blvd., Suite 210, St. Louis, MO 63124
Website: www.bilingualstl.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 9:00 am to 5:00 pm
Fees: Sliding fee scale, Medicare, Medicaid, some Forms of
Insurance
Description: Geriatric assessment, service plan and full case management in persons’ homes; family and individual therapy,and planning services.

Callen Case Management Services
Phone: 314-265-7059
P.O. Box 864, Cheseterfield, MO 63006
Website: www.seniorcasemanagementservices.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: By appointment Fees: $125/hour
Description: Provide in-home assessments of client needs, resource finding, placement, counseling, education, and advocacy.Public speaking in the community on topics relating to aging.

Cardinal Ritter Senior Services
(Social Services Department)

Phone: 314-918-2293 Fax: 314-961-1548
7601 Watson Rd., St. Louis, MO 63119
Website: www.cardinalritterseniorservices.org
Counties Served: St. Charles, St. Louis, St. Louis City
Hours: 8:30 am – 5:00 pm Fees: Call
Description: CRSS has a dedicated Social Services Department that provides seniors in the community with access to extensive services and support programs,information resources, and referral services.



Comprehensive Care Management and
Consulting, LLC

Phone: 314-544-8306 Fax: 314-544-8306
9336 Rambler Drive, St. Louis, MO 63123
Counties Served: Franklin, Jefferson, St. Charles, St. Louis,
St. Louis City, Monroe
Hours: As needed Fees: Negotiable
Description: Services available to individuals/families relative to sorting out aging challenges. Assist client with formulating plan to include either short-term tasks and/or long-term services related to an individual’s safety,optimal living environment and satisfaction.

Comprehensive Care, Inc.
Phone: 636-390-9909 Fax: 636-390-9989
1451 High Street, Suite 205, Washington, MO 63090
Website: www.thecompanythatcares.com

Continuum
Phone: 314-863-9912, 636-861-3336 Fax: 314-863-9918
12882 Manchester Road, Suite 201, St. Louis, MO 63131
Website: www.ContinuumCare.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 24/7 Fees: Call for fees
Description: Continuum’s experienced and professional care managers make a difference. We provide regular client visits to monitor physical condition and encourage compliance with prescribed therapy; working and coordinating with physicians on appropriate care and medication; counseling and psychotherapy, coordination of services inside or outside the home; providing assessments and ongoing counseling;updating family members and professionals on the plan of care; ensuring that there is an adequate stock of food,medications and medical supplies in the home; and serving as a contact person for physicians, EMS and emergency room staff in the case of a medical emergency.

County Older Resident Programs
Phone: 314-615-4516 Fax: 314-615-7619
121 South Meramec, Clayton, MO 63105
Counties Served: St. Louis
Hours: 8:00 am – 5:00 pm M-Th; 8:00 – 2:00 pm Fri
Fees: None

Covenant House/CHAI Apartments
Phone: 314-432-1610 Fax: 314-432-4058
8 Millstone Campus Dr., Suite 2000, St. Louis, MO 63146
Website: www.covenantchaistl.org
Counties Served: St. Louis
Hours: Monday to Friday 8:30 am – 5:00 pm
Fees: Social Services Provided
Description: A full time Social Service Staff is available during regular office hours to assist residents with referral services, form completion (State Financial Assistance), social programs, and many other services. For more information call the office at 314-432-1610.

Dignified Aging Consults
Phone: 314-361-2060
4400 Lindell., Suite 23J, St. Louis, MO 63108
Website: www.dignifiedagingconsults.net
Counties Served: Franklin, St. Louis, St. Louis City
Hours: By appointment
Description: Assessments of elder’s needs within their living environments/once needs are determined coordination of necessary services for home care, scheduling of doctor’s appointments ,referrals to private and community resources.

Elder and Estate Planning Law Firm (The)
Phone: 314-918-0088 Fax: 877-580-5204
8780 Big Bend Blvd., Ste. G, Webster Groves, MO 63119
Email: mde@stlelderlaw.com
Website: www.stlelderlaw.com
Description: Guardianship, Probate, Medicaid Planning and Qualifications, Powers of Attorney, Living Wills & Advance Directives, Living Trusts & Wills, Estate Planning, Nursing Home Placement, Assisted Living Placement, Sale of Home, Estate Sales & Care Planning







St. Louis, Missouri Geriatric Case Managers 2017 Update Page #1

St. Louis, Missouri Geriatric Case Managers Overview

St. Louis, Missouri geriatric case managers may include a multitude of professionals who provide health services such as gerontologists, social workers, psychologists and nurses who focus on providing services related to geriatric or aging frequently on an on-going basis. St. Louis, Missouri geriatric case managers usually work privately with older individuals and their families, creating a plan of care that will meet their needs. The following organizations frequently provide some level of geriatric case manager services in St. Louis, Missouri:




St. Louis, Missouri geriatric Case Managers:


ACM Care (Autonomous Case Management)

Phone: 314-293-0697
483 S Kirkwood #221 (mailing address), St. Louis, MO 63122
Website: www.ACMCare.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City, Madison, St. Clair
Hours: Varies Fees: Hourly and monthly available
Description: ACM Care’s™ Elder Care experts can: evaluate, select, and troubleshoot nursing home care; provide routine help with doctor visits, home visits, and medications; design and set up safe in-home solutions; find, select, and monitor in-home providers; be your local “go to” resource for routine needs,transitions, and crisis situations. We help find and engage the right resources to solve your Elder Care dilemmas. See ad on first page after front cover of this Resource Guide to learn more. Call today for your free needs assessment!

Advisors Resource Network
Phone: 636-926-8407 Fax: 636-447-2213
P. O. Box 147, Saint Peters, MO 63376
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 24 hours/day Fees: $95
Description: Sometimes you don’t know what you don’t know and are unaware of the questions you should ask. Advisors Resource Network offers fee-based care management that provides a broad overview of senior planning and eldercare options + support, monitoring, follow-up for our clients and
their families. Specialty: Financial Care Planning

Affordable Alternatives in Aging

Phone: 314-608-7951 Fax: 314-487-8562
3915 Southern Aire, St. Louis, MO 63125
Email: dmagee55@sbcglobal.net
Counties Served: St. Louis, St. Louis City
Hours: 24 hour availability Fees: Call for rates
Description: Affordable geriatric care management to help older adults to live indpendently as long as possible. Complete assessment with care plan, resource eligibility and referral, crisis
intervention, monitoring of services, education and advocacy.

Aging Well
Phone: 314-962-9115
9414 Pine Ave, St. Louis, MO 63144
Website: www.judy4agingwell.blogspot.com/2008/02/ourphilosophy-
to-enhance-quality-of.html
Counties Served: St. Charles, St. Louis, St. Louis City
Hours: 24 hours/day/7 days/week Fees: Call for information
Description: Geriatric care management with 24-hour availability. Helping you to make informed choices to maintain independence and quality care. Assessment evaluates the client and family unit to determine available options and resources, and to develop a plan which will enhance the client’s feelings
of independence, control and wellness.



Algonquin Nurses Home Health Care, Inc.
Phone: 314-822-8158 Fax: 314-822-0952
10135 Manchester Road , St. Louis, MO 63122
Website: www.algonquinnurses.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis,
St. Louis City
Hours: 24 / 7 Fees: Call
Description: Algonquin Nurses, Inc. provides disability services through the State Medicaid Waiver program, CDS, MEAAA,along with our Medicare skilled PT, OT, Speech Department, and Private Pay Insurance through our Private Support program.

Alpha Care, Inc.
Phone: 314-993-2273 Fax: 314.993.1196
9312 Olive Boulevard, St. Louis, MO 63132
Website: www.alphahh.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis,
St. Louis City
Description: A full service agency able to provide the complete circle of care, meeting all of your home health care needs.We assist in making the best choices to meet your home care needs. We answer any of your home health care questions.

Angels In The Attic, Inc.
Phone: 314-497-7787 Fax: 314-317-9023
207 Ambridge Ct., Unit 205, Chesterfield, MO 63017
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City, St. Clair
Hours: By appointment
Fees: $75/ in-home assessment;$35/ hour case management
Description: Angels In The Attic was inspired by the lack of knowledge and support available to my sisters and I during our own parents’ later years. I went back to school, received a MA in Gerontology and began this business to assist others.

Assisting Needy Seniors with Equipment
Recycled by St. Louisans (A.N.S.W.E.R.S.)

Phone: 314-913-4142
P. O. Box 270013, St. Louis, MO 63127
Counties Served: Jefferson, St. Louis City
Hours: 24 hr on call Fees: Sliding scale
Description: Providing care management and home management assistance. We offer safety evaluations and medical equipment free of charge or at low fees for elderly who want to remain at home.

Astva Home Health Agency
Phone: 314-863-3700 Fax: 314-863-3144
34 North Brentwood Blvd., #16, St. Louis, MO 63105
Website: www.astvahomecare.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 24 hours/ 7 days a week Fees: Based on assessment
Description: Healthcare for Medicare Homebound patients. Preventive and disease management continuing care delivered by licensed Registered Nurses, Physical Therapy, Occupational Therapy and Certified Nurse Assistants. We also provide referrals to Home Health Visit Physicians specializing in different areas and Nurse Practitioners in St. Louis City and County.







Illinois Adult Day Care Centers in the metropolitan St. Louis, Missouri area 2017

Illinois Adult Day Care Centers in metropolitan St. Louis, Missouri:

Illinois adult day care centers in the St. Louis, Missouri metropolitan area provide opportunities for the caregiver to take a break from the daily toil of providing constant care to individuals with Alzheimer’s Disease and other dementias, as well as individuals with other chronic illnesses, traumatic brain injuries, developmental disabilities and other difficulties that increase their care needs to a significant degree. Many of these Illinois adult day care centers in St. Louis, Missouri as well as in the surrounding metropolitan area, provide social activities, therapeutic and health services. The following organizations provide these services and more:

Illinois Adult day care centers in the St. Louis, Missouri metropolitan area:




Addus Home Healthcare
Phone: 618-241-9503 Fax: 618-241-9506
Address: 108 N. 3rd Street, Mt. Vernon, IL 62864
Website: www.addus.com
Counties Served: Clinton, Washington

Fair Oaks
Phone: 618-664-1230, 618-664-0808 Ext. 3717
Address: 140 at North Griggs, Greenville, IL 62246
Counties Served: Bond

Garden Place

Phone: 618-476-1440 Fax: 618-476-9200
Address: 208 S. Kossuth, Millstadt, IL 62260
Website: www.gardenplaceseniorliving.com
Counties Served: Monroe, Randolph, St. Clair

Garden Place

Phone: 618-282-7775 Fax: 618-282-7776
Address: 351 Lockwood, Red Bud, IL 62278
Website: www.gardenplaceseniorliving.com
Counties Served: Monroe, Randolph, St. Clair

Golden Years Adult Day Care
Phone: 618-235-0126
Address: 7 North 44th Street, Belleville, IL 62226
Website: www.goldenyearsadultdaycenter.com
Counties Served: St. Clair

Memorial Hospital – Senior Care Program
Phone: 618-257-5900
Address: 4500 Memorial Drive, Belleville, IL 62226
Website: www.memhosp.com
Counties Served: Madison, Monroe, St. Clair

St. Anthony’s Health Center Adult Day Care
Phone: 618-463-5333 Fax: 618-463-1570
Address: St. Clares Hospital,
915 East Fifth Street, Alton, IL 62002
Counties Served: Madison

St. John’s Home & Community Care
Phone: 618-344-5008 Fax: 618-344-4969
Address: 222 Goethe Avenue, Collinsville, IL 62234-3306
Website: www.eldercareandmore.net
Counties Served: Madison, St. Clair

Vintage Support Group Inc.
Phone: 618-277-4100 Fax: 618-277-4355
Address: 900 Royal Heights Rd, Belleville, IL 62226
Website: www.vintagesupportgroup.com
Counties Served: St. Clair

YWCA Adult Day Service
Phone: 618-465-7774 Fax: 618-465-7782
Address: 304 East 3rd Street, Alton, IL 62002
Counties Served: Madison, St. Clair

St. Louis, Missouri, Adult Day Care Centers- Page #1 

Adult Day Care Centers, St. Louis, Missouri:

St. Louis, MO adult day care centers provide opportunities for the caregiver to take a break from the daily toil of providing constant care to individuals with Alzheimer’s Disease and other dementias, as well as individuals with other chronic illnesses, traumatic brain injuries, developmental disabilities and other difficulties that increase their care needs to a significant degree. Many of these St. Louis, MO adult day care centers as well as those in the surrounding metropolitan area, provide social activities, therapeutic and health services. The following organizations provide these services and more:




St. Louis, Missouri Adult Day Care Centers:

Affordable Caregiver Services
Phone: 314-570-7207
804, Florissant, MO 63032
Counties Served: St. Charles, St. Louis, St. Louis City

Alexian Brothers PACE Program
Phone: 314-771-5800 Fax: 314-771-7830
3900 South Grand, St. Louis, MO 63118
Website: www.alexianbrothers.net
Counties Served: St. Louis, St. Louis City

Bon Vivant Adult Day Club

Phone: 636-343-1600 Fax: 636-343-1496
1525 Bowles, Suite A, Fenton, MO 63026
Website: www.bonvivantclub.com
Counties Served: Jefferson, St. Louis

Cardinal Ritter Senior Services
Phone: 314-962-7501 Fax: 314-962-7140
7663 Watson Road, Shrewsbury, MO 63119
Website: www.cardinalritterseniorservices.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Meals Description: 1+ Snacks

Cardinal Ritter Senior Services –
St. Robert Adult Day Program

Phone: 636-916-3709 Fax: 636-916-3732
Website: www.cardinalritterseniorservices.org
Counties Served: St. Charles

Care Brands Care Club
Phone: 636-527-2241 ext. 222 Fax: 636-527-2234
3155 Fee Fee Road, Bridgeton, MO 63044
Website: www.carebrandssystems.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City

Country Living Adult Day Center
Phone: 314-531-0011 Fax: 314-531-9293
2125 Bissell Street, St. Louis, MO 63107
Counties Served: St. Louis, St. Louis City

Emmaus Homes Steps Program
Phone: 636-946-6144 Fax: 636-947-1336
2200 Randolph, St. Charles, MO 63301
Counties Served: St. Charles

St. Louis, Missouri, Adult Day Care Centers- Page #2

St. Louis, MO Adult Day Care Centers:

St. Louis, MO adult day care centers provide opportunities for the caregiver to take a break from the daily toil of providing constant care to individuals with Alzheimer’s Disease and other dementias, as well as individuals with other chronic illnesses, traumatic brain injuries, developmental disabilities and other difficulties that increase their care needs to a significant degree. Many of these St. Louis, MO adult day care centers as well as those in the surrounding metropolitan area, provide social activities, therapeutic and health services. The following organizations provide these services and more:




St. Louis, Missouri Adult Day Care Centers:

Forum Adult Day Health Care Center
Phone: 314-535-0105 Fax: 314-353-3882
3828 Meramec, St. Louis, MO 63116
Website: www.forumhome.net
Counties Served: St. Louis City

Garden View Care Center at Dougherty Ferry
Phone: 636-861-0500 Fax: 636-861-3414
13612 Big Bend, St. Louis, MO 63188
Website: www.gvcc.com

Garden View Care Center of Chesterfield
Phone: 636-537-3333
1025 Chesterfield Pointe Parkway,
Chesterfield, MO 63017

Jewish Community Center

Phone: 314-442-3245 Fax: 314-872-7189
#6 Millstone Campus Drive, St. Louis, MO 63146
Website: www.jccstl.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City

Sarah Care Centre Adult Day Services

Phone: 314-968-2222 Fax: 314-968-2224
524 S. Elm Ave., St. Louis, MO 63119
Website: www.sarahcare.com
Counties Served: Jefferson, St. Louis, St. Louis City

Seniors & Company Adult Day Care
Phone: 636-926-2121 Fax: 636-926-2071
115 Piper Hill Drive, St. Peters, MO 63376
Website: www.seniorsandco.com
Counties Served: St. Charles

Veterans Home Care, LLC
Phone: 314-514-2444 / 877-390-6377 Fax: 800-640-7988
11861 Westline Industrial Drive, Suite 750, St. Louis, MO 63146
Website: www.veteranshomecare.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis
City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington

Young in Spirit Adult Day Center
Phone: 314-645-2411 Fax: 314-645-2007
6150 Oakland Ave. Within Forest Park Hospital, St. Louis, MO 63139
Website: www.Young in Spirit Adult Day Center.com
Counties Served: Jefferson, St. Louis, St. Louis City

City of St. Louis, Missouri: Cemeteries and Cremation Services 2017 Update

City of St. Louis, Missouri: Cemeteries and Cremation Services- An Overview: 
 
City of St. Louis, Missouri, cemeteries and cremation services are available if you’re planning a funeral service or want to consider the various burial options when preplanning a funeral. While most people are familiar with traditional funeral services you are probably not aware that there are various options also available. Additional options include cremation or interment in a mausoleum. If you need assistance in deciding the best options for mausoleum, cemeteries and cremation services in St. Louis, Missouri, the following organizations may be able to help.

City of St. Louis, Missouri, cemeteries and cremation services in the related zip code areas:
 
63102, 63118, 63104, 63106, 63103, 63107, 63147, 63115, 63112, 63108, 63113, 63110, 63139, 63109, 63116, 63111, 63101, 63125, 63147




Bellefontaine Cemetery
Phone: 314-381-0750
4947 W Florissant
St. Louis, MO 63115
 
Calvary Cemeteries Of St. Louis

Phone: 314-381-1313
5239 W. Florissant
St. Louis, MO 63115
 
Concordia Cemetery
Phone: 314-481-8396
4209 Bates Street
St. Louis, MO 63116
 
Hillcrest Abbey Crematory & Mausoleum
Phone: 314-645-4305
3211 Sublette Ave.
St. Louis, MO 63139
 
Howard H. Michel Funeral Home
Phone: 314-645-4241
5930 Southwest Ave.
St. Louis, MO 63139
 
Mclaughlin Funeral Home, Inc.

Phone: 314-771-0717
2301 LaFayette Ave.
St. Louis, MO 63104
 
National Crematory Service

Phone: 314-771-0052
5140 Daggett Ave.
St. Louis, MO 63110
 
St. Louis Cremation Service, Inc. – Anatomy
Transportation

Phone: 314-241-8844
2135 Chouteau Ave.
St. Louis, MO 63103
 
Veterans Funeral Care
Phone: 314-872-8387
2119 Chouteau Ave.
St. Louis, MO 63103 

City of St. Louis (midtown), Missouri Cemeteries and Cremation Services 2017 Update

City of St. Louis (midtown), Missouri cemeteries and cremation Services 
 
City of St. Louis, Missouri cemeteries and cremation services are available in the midtown area of the city. If you’re planning a funeral service or want to consider the various burial options you may consider the following cemeteries and funeral services. While most people are familiar with traditional funeral services you are probably not aware that there are many options also available. Additional options may include cremation or interment in a mausoleum. If you need assistance in deciding the best options for mausoleum, cemeteries and cremation services in the midtown area of the city of St. Louis, Missouri, the following organizations may be able to help.

St. Louis city, cemeteries and cremation services in the related zip codes areas: 




63144, 63143, 63117, 63105, 63130, 63133, 63121
 
Ambruster Donnelly Mortuary
Phone: 314-732-0705
6633 Clayton Rd.
St. Louis, MO 63117

Celebrate Life Cremation Services
Phone: 314-807-3402
7456 Manchester Rd.
Maplewood, MO 63143
 
Chevra Kadisha Cemetery Association
of Saint Louis

Phone: 314-427-0160
1601 North and South Rd.
St. Louis, MO 63130
 
Drehmann-Harral Funeral Home

Phone: 314-385-4783
7733 Natural Bridge Rd.
St. Louis, MO 63121
 
Kriegshauser Brothers Funeral Service, Inc.
Phone: 314-962-0601 Fax: 314-962-3765
2556 South Brentwood Boulevard
St. Louis, MO 63144
 
Laurel Hill

Phone: 314-725-7800
2000 Pennsylvania Ave.
St. Louis, MO 63133
 
Lupton Chapel
Phone: 314-721-1870
7233 Delmar Blvd.
St. Louis, MO 63130
 
Memorial Park Cemetery

Phone: 314-389-3500
5200 Lucas And Hunt Rd.
St. Louis, MO 63121
 
Smith Jay B. Funeral Homes, Inc.
Phone: 314-781-1115
7456 Manchester Rd.
Maplewood, MO 63143
 
St. Peter’s Cemetery
Phone: 314 385-0841 Fax: 314 382-2341
2101 Lucas and Hunt Road
St. Louis, MO 63121

Long term care insurance: Who needs it anyway?







How do I know if I would be a good candidate for long-term care insurance?

Long-term care insurance is a gamble, as is the case with most insurance. If you end up needing years of supervision and care, then long-term care insurance was a good buy. If you die suddenly, never using any sort of personal or nursing care, than it was a waste of money. And you always need to remember, that no policy covers all of the cost. There will always still be some bills to pay even with long-term care insurance.
As you or your loved ones begin to consider long-term care insurance, you should beware of pushy salespeople and scare tactics. The costs are high and the fear is great, so make sure not to buy in a panic. Many people simply should not bother with purchasing long-term care insurance. Agents get enormous commissions (often 50% of the first year’s premium and another 10% for every year after that) so they have plenty of incentive to sell these policies. You need to think long and hard before considering this as a worthwhile investment.




Long-term care insurance helps to protect assets and preserve the inheritance for heirs. However, it’s very expensive and never covers the full cost of care. So, who are some of the individuals who should consider buying a long-term care insurance policy?

Individuals with ample assets. The primary reason to buy long-term care insurance is the protection of an individual’s assets in excess of the cost of long-term care. If your parent or loved one is believed to become eligible for Medicaid within approximately 12 to 18 months of entering a nursing home, you should probably not consider this as a viable investment. Nursing home costs vary significantly from area to area, so you should look at the cost within your specific area. Just as a rough guideline, you may consider long-term care insurance if your parent has at least $100,000 in assets (not including his house and personal belongings).

Those with ample income. If your parent can afford $300-$600 per month in premiums without affecting their lifestyle, they may consider long-term care insurance. Some experts have suggested that this type of coverage should not cost more than 5% of a person’s total income, which may be a pretty good guideline to follow. Also, will they be able to continue paying the long-term care insurance premiums if they rise or if your parent’s income falls. You need to keep in mind, if your parent fails to pay premiums, their policy will be canceled; so they should not even start this type of coverage unless they plan to continue it.

Those whose assets and income are not overly ample.
People with a large income or more than $1 million in savings, generally don’t need long-term care insurance as they will be able to pay for their care out of pocket. However, they might still want it in order to protect their assets for heirs or perhaps just for little peace of mind.

How do I know if I would be a good candidate for long-term care health insurance?

Long-term care health insurance is a good buy for various individuals as described on the previous page. Long-term care health insurance is also preferable for people who fall within the following categories:

Those who are likely to need long-term care. Although you can never be sure, you will have to make an educated guess if you will be an individual likely to eventually need long-term care. After the age of 60, the likelihood of needing a nursing home at some point in time is approximately 40%. The average length of stay is about 2.5 years. However, 45% of nursing home stays are for three months or less, with the majority being less than one year. However, 10% of people who enter a nursing home are there for five years or more. Another 30% of older individuals end up needing assisted-living care, or a significant amount of assistance at home.

So, what does this actually tell you? It means that at some point in time you or your loved one have a relatively high probability of eventually needing a nursing home, assisted living or homecare, but, for perhaps not for more than a year or two.

You can also refine your probabilities of whether or not your loved one may need an expensive nursing home by considering their health and family history. If they have a family history of sudden fatal heart attacks, then they may be less likely to need extended nursing home care then say a person who has a family history of Alzheimer’s disease. Are they a smoker? Do they exercise? How is their mother’s bone density? All of these factors play a role in how much care an individual may need some day.




Another factor in considering whether someone is a good candidate for long-term health insurance is; “Do they have a lot of family support, a wealth of local volunteers, and inexpensive services on which they can rely or do they live in a community with little in the way of social services?” If your mother lives near your sister, who is retired nurse with time on her hands, she is less apt to need nursing home care then a person who lives alone, far from family and other sources of social support.

Those who have no plans of entering a continuing care retirement community. Continuing care retirement communities as they are referred to, usually charge large admission and monthly fees, but they usually provide almost all the care that will be necessary, from assisted-living to nursing home care. Having long-term care health insurance would be redundant and not necessary in these circumstances.

By Paul Susic Ph.D. Licensed Psychologist

Health Insurance 101 for Senior Citizens







Adequate health insurance is becoming one of the most precious assets that one can have. Certainly, health insurance is a huge priority to most senior citizens. Protecting your health and making sure that you have access to adequate medical care is one of the most important things that you can do to make your life active and fulfilling. It is quite obvious that accessible health care is not always affordable to everyone in the United States. Recent publicity about Medicare reform has made it clear that this is especially true for our nation’s seniors. This web page will seek to be a primer for senior citizens in relation to some of the basics on health insurance for your daily needs.




Health insurance types:

There are various different kinds of health insurance. While each has different requirements and is run by different entities, it is important to understand that many individuals combine several types of insurance coverage to meet their needs. It may be confusing to deal with all of these different types of health insurance coverage, but we will seek to explain them in basic detail. The three different types of insurance which will be discussed on this page are Medicare, Medicaid, and private health-insurance policies, which will each be described briefly on this page then covered in more detail on subsequent pages.

Medicare health insurance:

Medicare is a federally funded health insurance plan designed to help pay for senior citizen’s health care needs. It basically has two parts, Part A, which covers hospitalization and Part B which covers outpatient services such as doctors visits. You are usually eligible for Medicare just prior to your 65th birthday.

Medicaid:

Medicaid as a health insurance program ran by your state government in conjunction with some financial assistance to your state by the federal government. It is a program developed for low income individuals (which may include seniors) and was originally intended to be an insurance of last resort. Many people have heard some information about “spending down to Medicaid”, which means that a person must use up most of his or her assets before they may qualify.

Private health insurance policies are usually provided by employers or are purchased by individuals. These policies are provided by private health insurance companies and premiums are paid for by employers, employees or by other insured individuals. Some of these private health insurance policies are referred to as Medigap policies, which means that they are designed to specifically covered things in which Medicare does not. Long-term care insurance is a private insurance plan purchased specifically to cover the costs of assisted living and nursing home care, which will be covered on separate pages of this web site.

By Paul Susic Ph.D Licensed Psychologist Senior Care Psychological Consulting







Choosing The Right Long Term Care Insurance Policy







When you are considering long-term care insurance, or LTC insurance, there are many things to consider as you try to choose the best policy to match with your personal circumstances.




First of all, you should begin considering coverage at the earliest possible age. Most LTC providers only underwrite people who are between the ages of 40 and 80 and who don’t already have impairment to their ability to perform at least five of the six basic Activities of Daily Living, or ADLs. So if you are at least 40 and healthy right now, the time is now to consider buying LTC insurance, as the younger you are when you take out a given policy the greater your amount of options and the lower your premiums.

If you are now considering LTC insurance, it’s important for you to know the features and benefits you want to possibly pay for.

First, consider how comprehensive you want the LTC coverage to be, which will affect your premiums. For instance, do you want to just cover going into a nursing home, or just home-based health care provided by a nurse, or just adult day care, or a mixture of them or all of them?

Another factor that will affect your premiums is how much daily or monthly coverage you want. The more coverage you select the higher your premiums, but remember if you do need to activate the policy and your future costs are greater than the limit you have selected you will be directly responsible for making up the difference to the health care providers. Also consider whether or not you want a lifetime cap or unlimited lifetime coverage in sum total insurance policy payouts, based on the options available to you based on your age at the time of application.

Still another factor is benefit period. Most policies offer benefit period limits of anywhere from two to six years, but you can also pay to have a lifetime benefit period. Along with this, you’ll have to consider the duration of the elimination period (analogous to the “deductible” on other types of insurance). During the elimination period ALL accrued medical expenses that the LTC policy covers are paid out of your pocket. It is possible to have a zero-day elimination period, but your premiums will be quite high for this. Most policy providers’ elimination periods won’t exceed 100 days.

The longer this period the lower your premiums, all other things being equal, so this is one area where you can save quite a bit of money on premiums if you are relatively young, as you can reasonably expect to have enough money saved and invested in the future to finance one of the longer elimination period options should the need arise.




Also ask the insurance agent about an inflation protection feature. This will be very important especially if you are younger, what with health care costs constantly on the rise. Imagine what would happen to you if you selected a comprehensive coverage limit of $100 per day and 20 years from now you need to use the insurance but that same amount of medical care now costs $1000 per day!

Finally, one thing in an LTC policy that can substantially raise your premiums (even double them) BUT be extremely important is called the Non-Forfeiture Benefit. This feature will allow you to continue receiving the policy’s benefits even if you stop paying the premiums. If you are severely debilitated or financially destitute from paying your part of the medical expenses and aren’t able to pay the premiums in the future, this benefit could literally save your life or prevent your children from going bankrupt taking care of you.

About the Author:

Andrew Long writes for a series of websites about Care insurance and health related issues. A main area of expertise and content covers long term care insurance policy and disability insurance policies, as well as healthcare insurance

Article Source: http://www.ArticleBiz.com