Long-Term Care Insurance and Homecare and Socialization

We’re often asked if Engage As You Age accepts long-term care insurance. Although long-term care insurance often includes homecare, we’ve yet to find a policy that accepts social visits or companionship services. Despite the many studies that point to the health benefits of socialization, nobody seems to include socialization as part of a long-term care insurance policy. Despite the fact that homecare and caregiving services often morph into low-level companionship for long-stretches (in-between physical assistance such as changing clothes, help going to the bathroom, etc…), long-term care insurance policy holders are unable to have Engage As You Age companionship services for seniors included under their policy.

What are your thoughts on this? Do you think that social services for seniors in the San Francisco Bay Area should be included under these insurance policies?

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