There are other reasons, too. In many cases, the health of a spouse who becomes the sole provider of 24-hour care can deteriorate more quickly than the spouse receiving the care. This is mainly due to the increased physical and emotional stress. Also, spouses may be too old or frail to provide adequate care 24 hours a day. This benefit pays for community-based care, such as adult day care.
Coverage is usually equal to the amount of the home health care benefit.
This benefit provides coverage for the cost of care provided in places like assisted living facilities, Alzheimer's care facilities and community-based residential facilities. Respite care-This benefit is designed to provide temporary relief for a caregiver. It includes, but isn't limited to, short-term placements in adult foster care, nursing facilities or rest homes. Coverage usually is based on a maximum number of days per calendar year and generally equals the amount of the home health care benefit. Since long-term care is a future benefit, it's likely that the actual cost of care will be more expensive than it is today.