The waiting is period is normal for policyholders who have triggered their benefits. They need to wait for a number of days before they can receive their benefits. It assumed that those who can pay for long term care insurance can cover the first months of care with ease. It’s possible to receive skilled nursing home care for 100 days from Medicare as long as it follows hospitalization.

Becoming a primary caregiver can be a solution but it entails sacrifices such as in giving up some working hours and staying up late, which can have financial and emotional effect on the caregiver. A lot of people assume the role of caregivers once their loved ones requir long term care. According to the National Alliance for Caregiving and AARP, about 34.2 million Americans have provided unpaid care to a patient who is 50 or older in the last 12 months.

Hiring a home health aid is a great option to explore. However, you need to consider not just the rates but also the track record of the caregiver in order to avoid untoward incidents in the long run.

We have different capabilities and only you can determine the best course to take, whether to assume the role of the caregiver or hire someone else while waiting for the waiting period of long term care insurance to expire. Explore your options carefully and their consequences in order to find the best way to face this challenge with no falter.