Rehabilitation can be an incredibly beneficial intervention for people with disabilities. It can help them regain their independence and improve their quality of life. However, rehabilitation can also cause some people to become ineligible for long term care insurance. This is because most policies only cover people who are not in any form of rehabilitation. If you’re unsure whether your rehabilitation qualifies you for long term care insurance, speak to a Long Term Care Insurance specialist. They can help you determine whether or not you’re eligible and help put your mind at ease.
Background
Rehabilitation can cause ineligibility for long term care insurance. Rehabilitation therapy is often prescribed to help an individual improve their quality of life and extend the time they have left in which to receive care. However, rehabilitation may not be covered by most long term care insurance plans. In some cases, rehabilitation may be considered a medical expense, which could disqualify an individual from obtaining coverage. Additionally, some long term care insurance policies exclude individuals who are receiving ongoing treatment or are recovering from an injury or illness.
Rehabilitation and Long Term Care Insurance
Home health care providers and many other rehabilitation professionals often recommend in-patient rehabilitation as the first step in restoring a person’s quality of life. However, some people who need long-term care may be ineligible for insurance coverage because they have been in an acute rehabilitation program that was not deemed medically necessary by their physicians. Rehabilitation should only be considered if there is a significant impact on the person’s ability to live independently and without assistance.
In addition, the individual must be able to give informed consent for treatment and must be able to understand what will happen during the course of treatment. Rehabilitation may also cause an individual to lose eligibility for long-term care insurance due to preexisting conditions, so it is important to speak with an insurance agent or broker about your specific situation before you begin any rehabilitative therapy.
Can Rehabilitation Cause Ineligibility For Long Term Care Insurance?
Rehabilitation is an important part of recovering from an injury or illness. However, rehabilitation may lead to ineligibility for long term care insurance. Rehabilitation can be broken down into three stages: pre-rehabilitation, rehabilitation, and post-rehabilitation.
The pre-rehabilitation stage includes activities such as getting medical clearance and setting goals. During the rehabilitation stage, the individual will receive therapy and/or surgery to improve their condition. The post-rehabilitation stage includes continuing therapy and monitoring the individual’s progress. If a person completes the pre-rehabilitation, rehabilitation, and post-rehabilitation stages correctly, they are considered rehabilitated and are no longer eligible for long term care insurance.
There are a number of factors that can affect a person’s eligibility for long term care insurance. Some of these factors include if the individual has undergone physical or occupational therapy within the last 12 months, their age, and their health condition. Rehabilitated individuals may still be eligible for long term care insurance if they have completed all of the stages of rehabilitation but there is still risk associated with their health condition.
Conclusion
If you have been injured in a car accident, and as a result are now unable to work or do any normal activities because of your injuries, rehabilitation may be an excellent option for you. However, as with most things in life, Rehabilitation carries risks and there is the potential that it could cause you to lose your right to long term care insurance. If this were to happen, it would be very difficult if not impossible to find another source of coverage that would cover you. In order to avoid any potential problems down the road, it is important that you speak with an experienced injury attorney about your specific case.
