1-855-260-3274 is the VA Caregiver line. They are able to answer a lot of questions. Ask them if you, your spouse, or parent qualifies for care at home and how to access this benefit.
Long Term Care Insurance
Long term insurance plans often cover in-home care. We can help you to contact your insurance company to better understand your coverage and what needs to be done in order to begin services.
Out of Pocket
Sometimes, it seems so difficult to get Medicare, Medicaid or private insurance to cover assisted living or nursing home services. But the great news is that Home Care can be much more affordable than you think, and less expensive than than the alternatives. Even if you pay "out-of-pocket" for in-home care, it may still be the more affordable solution.
If your loved one is terminally ill, some insurance companies have a plan whereby they purchase the life insurance benefits of your loved in advance. In exchange (and this really can work)... they pay the policyholder a cash settlement. In advance. Before death. You can use this cash to pay for in-home care and other medical needs. Read more.
Sometimes, your loved one's home can pay for their in-home care. The equity in a home can be "cashed out" in advance of a sale, and unlike a traditional mortgage... there are no payments! The loan isn't repaid until the house is sold. Check with a trusted banker, loan officer, or mortgage broker to get more information on this little known funding tool.