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Eldercare
Reply to "Eligibility Determination for Federal Long Term Care Policy"
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[quote=Anonymous]Not sure about a "Federal" policy (I don't even know what that is) but with my mom's policy (Mass Mutual) when we wanted to put her in the facility, the medical director at the facility had to certify to Mass Mutual that she was incapable of carrying out a certain number of activities of daily living. The facility had to re-certify every year that she was eligible, and furthermore had to tell Mass Mutual every month how many days she'd spent there. The good news is that these facilities want tenants so they have every incentive to find your parent eligible. The more activities of daily living your parent can't do, the more they get to charge for a higher "level of care". I did have an argument with my mom's facility at one point - they wanted to raise her "level of care" and charge her more. After a certain amount of hassle where we documented everything mom needed and how much time it took, they backed off.[/quote]
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