Both of my parents have LTC policies which cover home health care for $245/ day. A company contacted them and said they could help them with their claim and help them qualify. The upfront fee would be $7,600. My parents have been very resistant to getting home care but now that they may be able to use this policy they are interested. I would be very relieved for them to get some help. My Dad recently had knee replacement surgery, has trouble with walking and is in a wheelchair part of the day, incontinence, recent falls and dizzyness, some dementia and doesn’t drive (my mom still does). Anyway here are my questions.
Has anyone used a service to help facilitate the claim with LTC in which the company charges a sizable upfront fee ($7,600).
Is it worth it? I have zero experience dealing with LTC insurance but I suspect they will not want to pay and I am wondering how difficult it will be to get Dad approved.
If we are able to get Dad approved will that likely continue long term? As he is 83 I don’t think he will improve a lot. Hopefully just maintain for awhile.
Thanks for any info.