Using A Long Term Care Policy

The goal of this blog post is to be a resource for those looking to understand what a Long Term Care Policy is and how to use it. We will discuss how the policy can pay for assisted living, when the policy is activated, as well as some tips and tricks to make the Long Term Care policy best work for you rather than against you.”

What's a Long Term Care Policy?

A long term care policy pays for assisted living options. It can pay for the expense of caregivers for in-home care or assisted living facility care.


Memory care is a type of long-term residential support for people with Alzheimer’s disease, dementia, or other forms of memory loss. Memory care units in Phoenix differ from traditional assisted living facilities in the following ways:

  • They provide round-the-clock, supervised care.
  • They are staffed by skilled nurses who are trained to care for those with memory loss.
  • They are built to accommodate this unique population, with easy-to-navigate layouts and a calming environment.
  • They feature stimulating activities that promote cognition and slow memory loss.


Long Term care policies

how can it pay for assisted living

activated when you need two or more levels of care or memory care

waiting period – could take a few months until the long term care policy is activated. Ask policy provider how long (must pay out of pocket until then)


VA Benefits


Ways to pay for assisted living

VA benefits (aid and attendance?)
Long term care policy
State assistance (don’t talk about this one, doesn’t pay)
Private pay


Questions to ask your provider…

length of policy ?
how much do you get per day for assisted living?
when does it activate? (waiting period / activation period)

pro tip: call your provider as soon as possible. You need to start the process soon because it can take 1-6 months for activation depending on policy.

Pro tip 2 – you have to have care every day during the activation period in order for the policy to approve you beyond the activation period.

  • pay for assisted living
  • caregiver coming to home
  • pay for skilled nursing facility


Finding Dementia & Alzheimer’s Care in Phoenix

Before you begin the overwhelming task of researching memory care facilities, talk with the specialists at Integrity Senior Placement! We have helped countless seniors with memory loss receive the attentive care they need, close to home. We thoroughly vet the memory care facilities we recommend in the Phoenix metropolitan area, and guarantee their safety, comfort, and quality. We also recommend resources such as Lolita Tramel of Hearts for Dementia, a care agency led by a dual board-certified Family Nurse Practitioner and Psychiatric Mental Health Nurse Practitioner. You can learn more about their services at the Senior Support Group resource page. You are not alone in this journey—let Integrity Senior Placement help you find care that will slow your loved one’s memory loss and improve their quality of life!

Is Memory Care Right for My Loved One?

Are you struggling to care for a parent, relative, or friend who has been diagnosed with Alzheimer’s disease or exhibits signs of memory loss? Do you worry about leaving your loved one alone at home, for fear they will become lost or confused? Is memory loss preventing your loved one from fulfilling activities of daily living, such as eating regular meals or taking medications? If you answered “yes” to any of these questions, memory care might be appropriate.

To schedule a free assessment and learn more about the wonderful memory care facilities in the Phoenix metropolitan area, contact Integrity Senior Placement today!


As your loved one ages and requires special care, it can be hard to know who to turn to. Integrity Senior Placement is here to guide you every step of the way.

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