What Are Coverable Long Term Care Events?

In order for a long term care event to be covered under your long term care insurance policy or Medicaid, your doctor must indicate that you are unable to perform at least two activities of daily living. You may see these referenced in paperwork as ADLs. The other circumstance that could qualify you to get a long term care support is suffering a cognitive impairment. The six ADLs identified by medical professionals are continence, bathing, toileting, transferring, dressing and eating.

Continence refers to being able to control bodily functions and transferring means the ability to sit, stand and move about. However, you do not have to be admitted into a nursing home in order to claim benefits for long term care support. Long term care insurance policies can be used in several different situations, such as assisted living, rehab services or in-home care.

Increasingly, people are seeking out the option to age in place or stay in their own home while getting the support that they need. This may be a viable option for you going forward and should always be discussed directly with your experienced estate planning lawyer.

Most people who need long term care services in Virginia Beach hope to get that funded through Medicaid. If you’re not sure what it takes to qualify for Medicaid in Virginia Beach or need help getting that process kickstarted, now is the right time to speak with an experienced VA estate planning lawyer.