Long term care is a variety of services that provide medical and non-medical assistance to people with chronic illnesses or disabilities. Most long-term care is used to help people with daily activities such as getting dressed, bathing, and cleaning up. These services can be provided anywhere, in a nursing home, private home, or in the community. Stay in a care facility, home, or community facility for 30 days or more.
Colorado Eligibility for Long Term Care
1. To qualify for Long Term Care in Colorado, the applicant must be one of the following:
Seniors must be 65 or older
Blind Who Must Meet Social Security Standards Blindness
Disabled – If you have an additional security income or received disability income from Social Security or found you to be disabled, you may be eligible for long-term care.
There are two requirements that must be run at the same time. This is mandatory to determine the earliest Eligibility Date:
Financial Eligibility Assessment
The Medicaid application can be completed through the Colorado County Department of Human Services
Service Eligibility Care Form. You can find this form in your district’s single point of contact for long-term care or care facility option. There are twenty-six unique entry points that serve the entire state.
The forms are then reviewed by a government-appointed peer review organization.
How to Buy Long Term Care Insurance
The National Association of Insurance Commissioners has created a Buyer’s Guide to Long Term Care Insurance. This brochure is available free of charge from the Colorado Department of Insurance.The brochure contains basic information on long-term care insurance.
Before you take out long-term care insurance it is important that you know exactly what you want from long-term care insurance. The most important thing is that you have found insurance that you really trust.
Next, you need to consider the financial stability or strength of the insurance company, as well as rate increases over time. Why? Because you want them to be there for you in the future too.
When looking for long-term care insurance, it is important to know the terms of care. Make sure you do your research beforehand and if you don’t understand some of the terms used, feel free to ask questions.
As you probably already know, long-term care in Colorado, or basically any state, can be a lot of work. If you want to be successful, it is important that you do your research and be prepared with the information that you may need. You can definitely find affordable long-term care insurance in Colorado.