You might find some answers on the Manhattan Home Instead blog. Probably the easiest way to find out if your particular plan covers home care would be to call your local Home Instead office. You can find out which is closest to you by entering your zip code in the box on the Home Instead corporate site.
One of the reasons why people request for estimate cost of ltci early is because of the fact that this policy covers home health care. Those who value the company of their families while receiving care will find long term care insurance as very beneficial. If this is what you want, then this type of policy is suitable for your needs. The premiums can be a bit steep but by exploring your options, you can cut the cost and find the coverage that is fit for your budget and needs. It's still a lot cheaper to purchase coverage rather than pay for your home health care using your savings because ltc services increase every year and the money you have saved might not be enough to cover your expenses.
First you must call your Long Term Care (LTC) company to ask them directly what does your policy cover. If your family member that has the policy needs help in deciphering what it all means, ask that family member to give permission to the LTC for you to speak with them directly. You want to find out basic things like: How much money a day does the policy provide for non-medical in-home care? Is it an unlimited policy or is there a cap on the benefit dollar amount? What is the elimination period prior to the policy taking effect once a claim is open? How many Activities of Daily Living (ADL) does a person need to qualify for to open the claim? Once you have selected Home Instead as your non-medical home care provider we can become an approved vendor and provide the necessary documentation to fulfill the requirements for your claim payments.