Long-term disability benefits for loved ones in need

The holidays are a time of being surrounded by loved ones and celebration. However, such time spent together can reveal the declining health of a relative. Caring for a family member as they grow older and less able to care for themselves may seem daunting, especially if geographical factors keep relatives far apart. For some Wisconsin residents, long-term disability benefits can take the financial burden of healthcare away, leaving only peace of mind in its place.

Handling the needs of relatives should be done with compassion and thoughtful planning. Ways of starting the conversation may include creating a checklist composed of topics for discussion with physicians and facilities. Home modification may be another area of consideration to adapt conditions in the individual’s living quarters to fit his or her new needs.

There are several services and facilities that can offer the proper care at varying levels based on the medical or skilled assistance needs of the loved one. Generally, basic health insurance covers very little and limited types of care for long range needs. Medicare and Medicaid help people with low income and may pay for medical visits, pharmaceuticals and potentially a fraction of a stay in long-term care facilities.

If the ailing health of the relative or loved one affects their ability to continue their career, they may qualify for long-term disability benefits. There are many factors that determine the ability to qualify for long-term disability benefits, and, if the benefits are approved, there are varying levels of benefits that may be included. Wisconsin residents may seek legal counsel to receive knowledgeable feedback and guidance when applying for long-term disability benefits.

Source: wisconsinrapidstribune.com, Start conversation about elder care, No author, Nov. 20, 2013

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