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Gentle Home Services
Navigating through a lengthy Long Term Care contract can be confusing and exhausting. Gentle Home Services has over 25 years of experience dealing with Long Term Care Insurance companies. We have developed a seamless process for setting up coverage, explaining benefits and getting insurance companies to pay claims. Our insurance team is available to help you understand your elimination period, deductible, daily benefit and lifetime value of the policy. Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years.
"Long term care" refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. The type of help needed can vary from assistance with simple activities (such as bathing, dressing and eating) to skilled care that's provided by nurses, therapists or other professionals.
"Benefit triggers" are the conditions that must exist before benefits begin. Typically, one will start getting benefits when help is needed with two or more Activities of Daily Living (ADL’s). Requiring assistance with bathing, eating, dressing, toileting and ambulation are the most common ADL’s.
Gentle Home Services is a big proponent of Long Term Care Insurance and we work with several of the top brokers in the Chicago area. Gentle Home Services is an approved provider of every major Long Term Care Insurance company.