A lot of long term care of Virginia insurance policies can pay a specific amount for the long term care costs of the individual if he/she is declared as a chronically ill person by a licensed health care practitioner.  In order to become certified the insured must be either of the following:

• He/she requires sufficient supervision in protecting himself/herself from any threats to safety and health.  Sometimes this is due to severe cognitive impairment.
• He/she cannot perform at least two or more of his/her activities needed for daily living.  These activities include bathing, dressing, transferring, toileting, eating and others.

The long term care of Virginia policy can pay for the insured’s benefits for a certain period of time or until such time that the insured does not need long term care.

Most policies for long term care of Virginia can cover the cost acquired during their stay at a nursing home, in-home care, custodial care, hospice care and care in Alzheimer’s facility.  There are even insurance companies which can pay for the care provided by the patient’s family.

Long term care insurance can help you pay for the services of your home care which includes occupational therapists, speech, adult day care, hospice care, home health aides, visiting nurses and others.  Generally, skilled care is the treatment received from a registered nurse which is under the supervision of the doctor.  Intermediate care consists of the rehabilitative care as well as the nursing care which are all under the skilled medical personnel’s supervision.  Custodial care mainly consists of the personal needs of the individual in his/her activities of daily living.

CapitalGroupBenefits.com provides you free quotes for long term care of Virginia.  Visit our website at www.capitalgroupbenefits.com to know more about their insurance plans.  You can instantly obtain free quotes without any obligation.  You can send us an email at sjoy@capitalgroupbenefits.com.