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Eldercare
Reply to "Eligibility Determination for Federal Long Term Care Policy"
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[quote=Anonymous]My parents have a federal long term care policy under John Hancock (the long term policy under FLTCP). They are soon going to be ready for needing to use this policy. However, I am not certain how to determine when they are eligible exactly. Should I ask the insurance company for eligibilty determination? Or should I hire someone (like a geriatric care manager) for an outside assessment? To qualify, they have to be unable to carry out two activities of daily living. I am worried about personal care (nails long, uncut) and that they may not be taking their medications. Eating is also an issue for one but the other is providing that service. Thoughts/advice on the use of long term care insurance?[/quote]
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