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Long Term Care Case Study

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Take the Intimidation out of Long Term Care Policies

October 2015
Table of Contents

Abstract 1
1. Why is Long Term Care Intimidating 1
2. Long Term Care Defined 1
2.1 Activities of Daily Living 1
2.2 Types of Long Term Care Services 2
3. Parts of a Long Term Care Policy 2
3.1 Application 2
3.2 Amendments 3
3.3 Face Page 3
3.4 Schedule Page 3
3.5 Definitions 3
3.6 Benefits 4
3.7 Limitations and Exclusions 4
3.8 Premiums 4
3.9 Claims 4
3.10 General Provisions 5
3.11 Policy Riders 5
4. In Summary 5
5. How will your use case bring value to IGATE business/vertical 5
6. References 5
7. About the Author 5

Abstract
Many people find reading insurance policies to be intimidating. The language set in insurance contracts …show more content…

Today’s healthcare system has evolved so that the insured has many options to select from when they determine that Long Term Care may be necessary. Long Term Care services range from care in facilities to informal care in a home. There are facilities that provide comprehensive services. The insured can start off receiving home health care. Then if home conditions change they can move into the facility’s assisted living area. Then if the insured’s condition declines further they can move over to the skilled nursing wing of the facility. Patients that only require supervision or light duty nursing services at home may opt for a private care giver versus having a licensed home health aide. To support the growing population of children caring for both their parents and their own children additional care services have been created. Examples are adult day care and respite care. Adult Day Care attends to the needs of the patient while the primary caregiver is at work. Respite care is designed to give the caregiver a break by attending to the patient while the caregiver is temporarily away. A final Long Term Care Service addressed by most insurance policies is Hospice Care. Hospice Services may be provided either in a home or in a Facility. Hospice care is considered end of life care for a patient that has been deemed terminally ill. It is designed to provide a person with pain and symptom management while attending to their emotional and spiritual

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On March 15, 2016 at 4:34 am, I was notified by Elisha Smalls that she had discovered red spots on her arms and mid back and had an itch. The employee was instructed to leave the facility and see her physician as soon as possible and to follow-up regarding the visit. At 11:14am, the employee called back and stated she had chicken pox and was in contact a resident in ALF that had shingles. It was discovered that the employee di d work with the resident on 02/24/2016 and 02/25/2016.It was discovered on February 24, 2016; a resident in Assisted Living did exhibited signs and symptoms of possible shingles. The resident was seen by the Nurse Practitioner, Jody Eblen for a rash with pain, the resident was started treatment with antibiotics on

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Home Instead Senior Care – Culpeper, VA is a team of hardworking and dedicated caregivers in Culpeper Virginia who supports and serves seniors with outmost respect and compassion. Founded in 1994, this company has been in the home care industry for more than 20 years and has grown to 62,000 caregivers. These skilled and well-trained healthcare professionals provide the best home care solutions to seniors not only in the United States but in other parts of the world. Home Instead Senior Care offers personalized home care solutions as each client has different requirements and preferences. These services include respite care, hospice care support, household duties, personal care, and companionship services.

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inally, Title VII provides support for programs to ensure protection of the rights of older adults, including the Long-Term Care Ombudsman Program and elder abuse prevention services. The Long-Term Care Ombudsman Program is required to investigate and resolve complaints made by or on behalf of nursing facility residents or other institutionalized populations. Title VII funds are allocated based on the state’s proportion of residents age 60 and

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California Supreme Court Clarifies Long Term Care Act’s Application to Release of Confidential Information The California Supreme Court has clarified the application of the Long-Term Care Act’s disclosure requirements in consideration of Welfare and Institutions Code section 5328’s general prohibition against the release of information contained in the course of providing treatment to mentally ill and developmentally disabled individuals. In State Dept. of Public Health v. Superior Court (2015) 60 Cal.4th 940, the Supreme Court considered the issue of whether the disclosure requirements of the Long-Term Care Act (LTCA) or Welfare and Institutions Code section 5328 applied where a public records request was made for health records. The case involved the Center for Investigative Reporting, a news organization investigating the treatment of mentally ill and developmentally disabled in state owned health care facilities, which issued a public records request to the Department of Public Health (DPH) for copies of all citations issued to the facilities it was investigating.

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