Sometimes called nursing home insurance, long-term care insurance is designed to cover the costs of care provided to individuals that can no longer take care of themselves. Such care includes bathing, creating meals, eating, and other activities that are a normal part of life that can no longer be accomplished.
Home health care insurance covers long term care of individuals who may need assistance for several months to several years or more. Such policies are expensive, but there are methods that will make them more affordable. This is because each individual has their own needs for assistance that range from medical care to getting in and out of the tub, getting dressed, or eating.
You may be wondering what exactly is a Consumer Directed Personal Assistance Program or CDPAP and how it affects you. Essentially, this is a program that allows consumers who are self-directed or those who advocate or work for them to oversee all aspects of personal assistants of their choosing. This means that CDPAP allows for you to do the following with those who want to be personal assistants: