| Long term care is a diversity of services offered | | | | at a nursing facility. There are twenty six Single |
| that provides medical and non medical help to | | | | Entry Point that service the whole state. |
| those suffering from chronic illnesses or disabilities. | | | | The forms are then reviewed by a state |
| Long term health care helps people meet health | | | | designated peer review organization. |
| and personal needs. For the most part long term | | | | Shopping for Long Term Care Insurance |
| care is used to assist those with daily activities, | | | | The National Association of Insurance |
| such as dressing, bathing, and cleaning. Such | | | | Commissioners has created a "Shoppers Guide to |
| services can be provided anywhere, a nursing | | | | Long Term Care Insurance". This brochure can be |
| home, private homes or in the community. Long | | | | obtained for no cost at the Colorado State |
| term care is defined as a continuous stay for | | | | Insurance Department. The booklet provides basic |
| thirty days or more in a nursing facility, a home, | | | | information on long term care insurance. |
| or Community Based Services. | | | | Before you buy any long term care insurance it's |
| Colorado Eligibility for Long Term Care | | | | important for you to know exactly what you |
| 1. In order to qualify for long term care in | | | | want out of long term care insurance. Most |
| Colorado an applicant must be of the following: | | | | importantly make sure you have found an |
| Elderly- must be 65 years or older | | | | insurance company that you really trust. |
| Blind- you have to meet the Social Security's | | | | Next you should consider the insurance company |
| standards of blindness | | | | financial stability or strength ratings and rate |
| Disabled - If you receive Supplemental Security | | | | increase overtime. Why? Because you want them |
| Income or Social Security Disability Income or | | | | to still be able to be there for you in the future. |
| have been determined disabled by Disability | | | | It's important to understand long term care terms |
| Determination Services then you can qualify for | | | | that will be used when you're looking for insurance |
| long term care. | | | | that will provide such care. Make sure you do |
| There are two applications that must be finished | | | | your research beforehand and if you don't |
| simultaneously. This is imperative in deciding the | | | | understand some of the terminologies used don't |
| first date of eligibility: | | | | hesitate to ask questions. |
| Financial eligibility determination | | | | As you have probably already know, obtaining |
| The Medicaid application can be filled out through | | | | long term care in Colorado or basically in any |
| Colorado's County Department of Human | | | | state can require a lot of work. If you are to be |
| Services | | | | successful then it's important for you to do the |
| Uniform Long Term Care form for service | | | | research and be prepared with the information |
| eligibility. You can find this form at your county's | | | | you might need to provide. You can definitely find |
| option for Long Term Care Single Entry Point or | | | | affordable long term care insurance in Colorado. |