Most long-term care insurance policies do not guarantee where you will receive care, so if you have an idea about the quality and a specific location you want in the future, this is something to consider. Many top-quality care centers fill up fast and have a waiting list. So although you might receive financial benefits from your policy, you may spend time in a health center not of your choosing.
As a Life Plan community, Westminster ensures access to a full continuum of on-site high-quality care from short-term rehabilitation to skilled nursing, assisted living and memory care. These services are available whenever you need them, for as long as needed, at virtually no increase in your monthly service fee. What’s more, you’ll know the people providing care, and they’ll know you.
And because some long-term care policies pay a daily benefit even if the policyholder has signed on for Life Care, you may receive benefits while receiving care at Westminster. This would allow you to apply that benefit to your monthly service fee if you choose. Check with your insurance broker to verify the benefits of your policy.