Long-Term Care Insurance & In-Home Support
Planning for long-term care can feel overwhelming, but you do not have to navigate it alone. Whether you’re preparing for the future or trying to activate an existing policy, Home Halo helps families understand care options and coordinate supportive in-home services.
How it works
Contact Us
Call your local Home Halo office or reach out through our website. Tell us about your loved one’s condition, daily routine, and what kind of support you are looking for. The more we know upfront, the better we can plan.
Planning Gives You a Choice
When a long-term care insurance policy is in place before care is needed, families have more options, including the option to remain safely and comfortably at home.
That is where Home Halo comes in. Home Halo provides non-medical in-home care, including:
- Personal care
- Companionship
- Homemaker services
- Respite support
- Assistance with activities of daily living
These are the types of supportive services many long-term care policies are designed to help fund.
Why Plan Ahead?
The Best Time to Plan for Long-Term Care Is Before You Need It
The reality is that most of us will need some form of long-term care in our lifetime. According to the U.S. Department of Health and Human Services, roughly 70% of people over age 65 will require long-term care services at some point.
Yet many families do not begin planning until a health event, decline in mobility, or change in daily living needs forces their hand. By then, options can become more limited, more stressful, and more expensive.
The Cost of Waiting
- Medicare does not cover long-term custodial care.
- Standard health insurance has the same gap.
- Medicaid has strict eligibility requirements.
- Long-term care costs often fall directly on personal savings or family members.
General Benefits of Long-Term Care Insurance
Long-term care insurance is not just another policy. It is a plan that helps protect your independence, your savings, and the people you love. For many families, it becomes an important part of both financial planning and care planning.
Protects Your Financial Future
Without coverage, the cost of ongoing care can deplete a lifetime of savings in a matter of years. Long-term care insurance acts as a financial buffer, helping preserve assets while making needed care more affordable.
Preserves Your Freedom of Choice
One of the most important benefits of long-term care insurance is choice. Policyholders may have the ability to choose where they receive care, including at home, in an assisted living community, in memory care, or in a nursing facility, depending on the policy. Without insurance, those decisions are often made based on what is affordable rather than what is preferred.
Reduces the Burden on Your Family
Without a care plan, family members often become the default caregivers. That can affect their employment, relationships, finances, and emotional well-being. Long-term care insurance helps make professional support available so loved ones can remain present as family, not full-time caregivers.
Covers a Wide Range of Care Settings
Modern long-term care policies may cover several types of support, including in-home care, adult day programs, assisted living, memory care, and nursing home care. Home Halo’s role is focused on non-medical in-home care, including personal care, homemaker services, companionship, respite support, and help with daily living needs.
Provides Peace of Mind
Having a plan in place means families do not have to make difficult decisions in the middle of a crisis. They can better understand what is covered, what steps are required, and how to access support when care is needed. Home Halo’s caregivers are trained to deliver the kind of non-medical in-home support that many long-term care policies are designed to fund.
What Long-Term Care Insurance Typically Covers
Long-term care insurance policies vary, but most are designed to cover services that support individuals who can no longer perform certain daily activities safely or independently. Below is a general overview of what is commonly included. Coverage depends on the specific policy, benefit limits, eligibility requirements, and insurer guidelines.
In-Home Care
This is one of the most commonly used long-term care benefits — and it is where Home Halo excels. Home Halo provides these services in the home through trained caregivers. We do not provide skilled nursing, medical treatment, or clinical care.
In-home care may include:
- Personal care, such as bathing, dressing, grooming, toileting, and mobility support
- Homemaker services, such as light housekeeping, laundry, meal preparation, and help with household routines
- Companion care to support emotional well-being, safety, social engagement, and daily structure
- Respite support to give family caregivers relief
Adult Day Care Services
Some policies may cover structured daytime programs that provide supervision, social engagement, meals, activities, and supportive services in a community setting. These programs are typically separate from Home Halo’s in-home care services but may be part of a broader long-term care plan.
Assisted Living Facilities
Some policies may cover care provided in assisted living communities, where individuals receive help with daily activities while maintaining a level of independence. This is separate from Home Halo’s in-home care model, but it may be covered under certain long-term care policies.
Memory Care
Some long-term care policies may cover support for individuals living with Alzheimer’s disease or other forms of dementia. Home Halo may provide non-medical in-home support for individuals with cognitive impairment, including supervision, companionship, routine assistance, homemaker services, and help with activities of daily living. We do not provide medical dementia treatment or clinical care.
Nursing Home / Skilled Nursing Facility Care
Some policies may cover nursing home or skilled nursing facility care for individuals who need a higher level of medical or custodial support. This type of care is separate from Home Halo’s services. Home Halo provides non-medical in-home care and does not provide skilled nursing facility care or medical treatment.
Hospice and Respite Care
Some policies may include respite care or support related to end-of-life care, depending on the policy. Home Halo does not provide hospice services. However, in some situations, Home Halo may provide non-medical support alongside a licensed hospice provider, including companionship, personal care, homemaker services, and caregiver respite.
Key Policy Terms to Know
Benefit Period
How long your policy will pay benefits, such as 2 years, 5 years, or lifetime.
Daily or Monthly Benefit Amount
The maximum amount your policy will pay per day or per month for covered care.
Elimination Period
A waiting period, often 30 to 90 days, before benefits begin.
Inflation Protection
An optional rider that increases your benefit amount over time to help keep pace with rising care costs.
How Benefits Are Triggered
Most long-term care policies activate when a licensed healthcare professional certifies that an individual is unable to perform at least two of the six Activities of Daily Living, often called ADLs, without assistance. These typically include:
Some policies may also be triggered by severe cognitive impairment, such as Alzheimer’s disease or other forms of dementia, even if the individual can still perform ADLs physically.
Get Started
Ready to explore how long-term care insurance can support your family? Contact us today to schedule a free consultation and learn how Home Halo can help coordinate the in-home care your loved one needs.