How Care Fees Insurance Works

Care Fees Insurance

Long term care fees insurance can generally be taken out when you are fit and healthy and do not need care.

There are even some types of long term care fees insurance available when you are not fit and healthy.

There are various options available to you when applying for care fees insurance cover, depending on the type of care fees insurance policy you want and how much care fees cover you would like to plan for.  Usually the providers of care fees insurance offer you a budget cost insurance, a standard cost insurance and a higher cost insurance.  You can choose which one suits your finances and your choice of benefits.

In order to pay out the benefits from your care fees insurance when you need care, you will be assessed on your ability to carry out certain day to day tasks.  These could include the following:

• being able to move around your home from room to room
• your ability to get in and out of a bath or shower for washing
• your ability to dress and undress yourself
• the ability to feed yourself if the food has been prepared
• being able to get on and off a toilet
• being able to move from a chair to your bed

If it is considered that you cannot do the above without personal help (usually for a set period of time), this is when the care fees insurance benefits start to be paid.

Some care fees insurance plans allow half of the benefits to be paid when say two of the day to day tasks cannot be performed without help.  The full benefit would be paid if a third day to day task could not be performed without help.  The actual care fees benefit can include devices or home modifications to help you stay in your own home.

Request expert advice about care fees insurance today and about protecting your wealth and planning for care.