Txoj Cai Sib Koom Tes
California Partnership for Long-Term Care
Kuv Yuav Tau Txais Txoj Cai Sib Koom Tes Li Cas?
Txhua txoj cai koom tes-pom zoo yuav tsum muaj qee yam kev tiv thaiv kom ntseeg tau tias koj muaj txoj cai zoo uas ua tau raws li koj xav tau. Cov no suav nrog:
- Kev Tiv Thaiv Kev Nce Nqi - Qhov no tiv thaiv tus neeg tuav pov hwm los ntawm kev them qhov sib txawv ntawm qhov uas daim ntawv pov hwm yuav them, uas yog raws li tus nqi ntawm cov kev pabcuam thaum koj yuav daim ntawv pov hwm thiab tus nqi kho mob tiag tiag thaum koj xav tau. Txhua daim ntawv pov hwm kev koom tes yuav tsum muaj kev tiv thaiv no, thiab lub xeev pom zoo kom koj tiv thaiv koj tus kheej los ntawm kev yuav daim ntawv pov hwm uas muaj kev tiv thaiv kev nce nqi.
- Kev tiv thaiv khoom vaj khoom tsev
- Kev Tswj Xyuas Kev Kho Mob Kom Zoo Ib txoj kev los ntsuam xyuas, npaj, sib koom tes, thiab saib xyuas cov kev xav tau thiab cov kev pabcuam mus sij hawm ntev. Kev tswj hwm kev saib xyuas/kev sib koom tes saib xyuas txhua yam uas tus neeg xav tau thiab cov peev txheej, thiab txuas tus neeg ntawd mus rau ntau yam kev pabcuam tsim nyog, siv txhua qhov nyiaj txiag (thiab tsis raws cai).
- Kev Nce Tus Nqi Uas California Partnership for Long Term Care Tswj Xyuas - Kev Saib Xyuas Mus Ntev yog kev saib xyuas uas muab rau ib tus neeg uas ua tsis tau tej yam hauv lub neej txhua hnub lawm.
Cov cai koom tes muaj ob qho tshwj xeeb uas ua rau lawv txaus nyiam tshwj xeeb.
Kev Tswj Xyuas Kev Kho Mob: Lub Koom Haum yuav tsum tau muaj Lub Chaw Muab Kev Tswj Xyuas Kev Kho Mob, uas tau txais kev pom zoo los ntawm Lub Chaw Haujlwm Saib Xyuas Kev Noj Qab Haus Huv ntawm Lub Xeev thiab ywj pheej ntawm lub tuam txhab pov hwm, muab kev sib koom tes saib xyuas kev kho mob rau cov neeg tuav pov hwm ntawm Lub Koom Haum.
Siv cov txheej txheem sib koom tes, tus thawj tswj kev saib xyuas ua haujlwm nrog tus neeg tuav daim ntawv pov hwm, lawv tsev neeg, thiab kws kho mob kom ua tiav kev ntsuam xyuas kom meej los txiav txim siab cov kev xav tau thiab cov peev txheej ntawm tus neeg siv khoom, thiab tsim kom muaj Daim Ntawv Qhia Txog Kev Saib Xyuas uas tsim nyog rau tus kheej kom tau raws li cov kev xav tau ntawd.
- Plan of Care: In developing the plan of care, the care coordinator will consider the unique needs of the client and recommend alternatives for how those needs can best be met. It is likely that without the help of a care coordinator, a policyholder or their family would have no idea of where to find someone to provide the necessary care. Partnership regulations require the care coordinator to consider how the policy benefits can help meet the policyholder’s needs and how the needs might also be met through other sources, perhaps through community services or the client’s health coverage, etc. These other sources can help reduce the out-of-pocket expenses to the policyholder as well as help the policy benefits last as long as possible. The identification of other sources of care can be especially important for a person who has a policy designed to pay benefits for only one or two years. Furthermore, since the Partnership requires the care coordinator to live in and be familiar with the community in which the policyholder resides, he or she will have a good understanding of where the quality providers are.
- Kev Saib Xyuas Kev Ua Haujlwm thiab Kev Saib Xyuas: Ntxiv nrog rau kev ua tiav kev ntsuam xyuas thiab cov phiaj xwm kev saib xyuas, tus neeg saib xyuas kuj tuaj yeem tiv tauj cov neeg saib xyuas thiab npaj kom lawv nyob hauv tsev los muab kev saib xyuas raws sijhawm, sib tham txog cov nqi them thiab saib xyuas cov kev pabcuam zoo, yog tias xav tau los ntawm tus tuav txoj cai.
Kev Tiv Thaiv Cov Khoom Muaj Nqis Tag Nrho Lub Neej: Qhov no ua kom ntseeg tau tias cov nuj nqis saib xyuas mus sij hawm ntev uas muaj kev puas tsuaj loj heev yuav tsis ua rau koj pluag txawm tias koj tsis muaj cov txiaj ntsig pov hwm lawm los xij. Qhov ntawd yog ib yam dab tsi uas lwm cov cai pov hwm kev saib xyuas mus sij hawm ntev tsis muab (cov cai pov hwm kev saib xyuas mus sij hawm ntev yog ib hom cai pov hwm tshwj xeeb uas tsim los muab kev txhawb nqa nyiaj txiag los them rau cov kev pabcuam saib xyuas mus sij hawm ntev uas tsim nyog.)
Here is how this special feature works. When you need care, your Partnership-approved private long-term care insurance policy pays for your care in the same way other high-quality long-term care policies would, but unlike a traditional non-Partnership policy, each dollar your Partnership policy pays out in benefits entitles you to keep a dollar of your assets if you ever need to apply for Medi-Cal services.
Rau feem ntau ntawm koj, cov txiaj ntsig ntawm daim ntawv pov hwm Partnership yuav muab txhua yam kev saib xyuas uas koj yuav xav tau. Tiamsis koj yuav tsis tas yuav pluag yog tias koj tsis muaj cov txiaj ntsig pov hwm lawm thiab tseem xav tau kev saib xyuas. Koj tuaj yeem thov Medi-Cal kom tau kev pab them cov nqi ntawm koj txoj kev saib xyuas txuas ntxiv mus thiab tsis tas yuav "siv" koj cov nyiaj khaws cia mus txog qib kev txom nyem. Txhua duas las uas koj daim ntawv pov hwm Partnership them rau koj cov kev kho mob raug tiv thaiv los ntawm Medi-Cal cov cai "siv nyiaj tsawg". Tej zaum koj yuav tau siv ib feem ntawm koj cov nyiaj tau los rau tus nqi kho mob ntawm koj, tab sis cov cuab tam uas koj tau tiv thaiv los ntawm kev yuav daim ntawv pov hwm Partnership tseem yog koj li, rau koj thiab koj tus txij nkawm siv lossis tso rau cov neeg koj hlub.
Txoj Cai Sib Koom Tes Tus Nqi Npaum Li Cas?
Daim ntawv pov hwm kev koom tes raug nqi kwv yees li qub lossis tsawg dua me ntsis dua li lwm cov ntawv pov hwm uas muab kev pab zoo sib xws. Txhua lub tuam txhab pov hwm uas muab cov ntawv pov hwm Partnership muaj nws tus nqi them ua ntej. Txawm li cas los xij, thaum koj yuav kev pov hwm, koj cov nqi them yuav pheej yig dua. Qhov ntawd yog ib qho laj thawj zoo rau kev yuav ua ntej.
Tsis zoo li lwm cov cai, Cov cai ntawm Kev Koom Tes suav nrog kev tiv thaiv cov cuab tam mus tas li thiab nkag mus rau cov kev pabcuam Medi-Cal yog tias koj xav tau lawv - qhov txiaj ntsig ntxiv uas tsis muaj nqi ntxiv. Qhov kev tiv thaiv ntxiv thiab kev thaj yeeb nyab xeeb no tsuas yog los nrog kev yuav daim ntawv pov hwm Partnership xwb.
Because of the Partnership’s asset protection feature, you don’t have to worry that you may run out of insurance benefits and end up spending the savings that you hoped to protect by having to pay for ongoing care needs. The asset protection feature allows you to purchase policies with coverage equal to the amount of assets you want to protect, from approximately $47,000 up to your total assets, with the assurance that these assets are protected for life, no matter how extended or expensive your long-term care needs may be. Without a Partnership policy, you could only achieve lifetime asset protection by purchasing lifetime insurance coverage – something most people cannot afford.
Kuv Yuav Tau Txais Kev Pabcuam Kev Koom Tes Li Cas?
Cov ntawv pov hwm kev saib xyuas mus sij hawm ntev ntawm kev koom tes tsuas yog muag tau los ntawm cov tuam txhab pov hwm xaiv uas ua tau raws li cov qauv tshwj xeeb uas lub xeev tau tsim. Nov yog daim ntawv teev cov tuam txhab uas tau ntawv pov thawj los ntawm Partnership.
Kev koom tes nrog txoj cai tuav pov hwm mus sij hawm ntev tsuas yog ua lag luam los ntawm cov kws kho mob muaj ntawv tso cai uas tau ua tiav kev cob qhia tshwj xeeb uas yuav tsum tau ua los ntawm lub xeev California. Txoj Cai Sib Koom Tes, nrog rau nws qhov tshwj xeeb tiv thaiv cov cuab yeej cuab tam lub neej, paub tseeb tias koj yuav tsis raug yuam kom siv txhua yam koj tau ua haujlwm rau kev saib xyuas mus sij hawm ntev.
Siv Txoj Kev Txiav Txim Tawm Ntawm Txoj Cai Zoo
Muaj ob hom kev sib koom tes txoj cai muaj:
- Txoj cai-tsuas yog txoj cai uas them rau kev saib xyuas hauv ib lub chaw (tsev laus thiab cov chaw tu neeg nyob) lossis
- Ib txoj cai tswjfwm uas suav nrog kev saib xyuas hauv tsev, hauv zej zog, nrog rau hauv tsev laus thiab chaw tu neeg nyob.
Koj xaiv qhov kev pab them nqi uas koj xav tau. Txoj cai muab kev pab cuam txij li ib mus rau tsib xyoos lossis lub neej. Txhawm rau kom ntseeg tau tias koj tab tom xaiv cov kev pabcuam zoo, txhua txoj cai koom tes nrog:
- Kev tiv thaiv kev nce nqi tsis siv neeg los xyuas kom meej tias koj cov txiaj ntsig ua kom nrawm nrog kev nce nqi ntawm kev saib xyuas;
- Ib qho kev txiav tawm uas yuav tsum tau ntsib tsuas yog ib zaug hauv koj lub neej;
- Kev saib xyuas kev sib koom tes los pab koj hauv kev npaj thiab kev ruaj ntseg cov kev pabcuam uas koj xav tau thiab xav tau;
- Kev zam ntawm cov nqi them thaum koj tau txais kev saib xyuas hauv tsev laus lossis chaw tu neeg nyob; thiab
- Kev hloov pauv txoj cai tau txais txiaj ntsig kom kev saib xyuas tuaj yeem hloov kho kom tau raws li koj tus kheej xav tau.