How to Pay for Non-Medical Homecare, pt. 3

Your elderly parents are aging in place. In their home. But are clearly beginning to show signs of needing additional help.

How do you pay for non-medical homecare?

Most health insurance, including Medicare, won’t cover non-medical homecare. Most families use private funds, but there are several other ways to pay for homecare, including veterans benefits, Medicaid programs, and long-term care insurance that can help offset costs.

Long-term care insurance may provide funds for non-medical in-home care. These benefits generally begin to apply once a loved one needs help with two or more ADLs, like bathing or dressing. Generally, someone needs to sign up for and begin paying into a policy well in advance, before they require this assistance.

Veterans benefits offered through the U.S. Department of Veterans Affairs may offer programs to help veterans and their families pay for homecare. The VA’s Aid and Attendance Benefits and Household Allowance may provide monthly stipends to qualifying recipients. Generally, to qualify, someone must need help with two or more ADLs, be homebound, or have very poor eyesight.

Some states’ Medicaid programs cover certain homecare services for seniors who qualify financially. For example, home and community based services waivers can cover specific non-medical services, like help with activities of daily living (ADLs).

If you think home care may be right for you or your elderly parents, call Home Care Partners office: 781-378-2164 to discuss next steps. Or visit us online: www.homecarepartnersma.com

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