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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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