California Long Term Care Insurance

Written by Norene Anderson
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California long term care insurance carriers have been required since October, 2001, to include coverage for care received in an assisted living facility. This facility must be licensed as a Residential Care Facility for the Elderly (RCFE). This type of facility may be a small group home or it may be a large retirement home.

California also requires coverage to make it possible to receive care at home. One of the services offered is assistance with tasks or activities of daily living. This includes preparing meals and cleaning the house. Bathing, hair care, and other personal needs are attended to by home health aides. Regular nursing care is also included to monitor the health issues on a frequent basis.

Hospice services under California law may be provided by skilled or unskilled persons as long as the doctor or healthcare provider has ordered the service. This resource provides emotional, physical, spiritual, and social support for the terminally ill, the family, and the caregiver. This may be provided as in-home care or in an institutional setting.

California Long Term Care Provisions

A welcome benefit of California policies is the respite care that is offered. This provides for care in a nursing facility, your home, or some other community program that allows the primary caregiver a break. It covers all the usual care provided by the family while they have a time away from the responsibilities for a much needed rest.

There are three specific criteria that fall in the category of benefit triggers. This means that at least one of the three must be present to qualify a patient for long term care in California. These three are impairment in activities of daily living, impairment in cognitive ability, and medical necessity.


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