Texas Wealth Advisers

Long Term Care Richmond, TX

Many people think that long term care is provided exclusively in nursing homes. That simply isn’t true. Long term care can also be provided in an adult day care center, an assisted living facility, or at home. Some people find themselves in need of long term care because of old age, mental or physical illness, or injury. Long term includes assistance with eating, bathing, dressing, toileting or continence, and/or transferring (ie – getting out of a char or out of bed). These five actions are Activities of Daily Living (ADLs) or custodial care. If you cannot do two or more of these activities, or if you have a cognitive impairment, you are said to need long term care. Many people may asked the question, “what does long term care insurance cover”? If you are looking for long term care advisors, we can help you in the following areas:

  • Katy, TX
  • Brookshire, TX
  • Fulshear, TX
  • Cinco Ranch, TX
  • Victoria, TX
  • Sugarland, TX
  • Richmond, TX


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What Does Long Term Care Insurance Cover

A question individuals frequently ask is, “what does long term care insurance cover”? Long term care is a potential option for individuals who wish to make the most of their older years when they can no longer entirely take care of themselves.

Some of the things long term care insurance can cover include:

  • Hospice Services
  • Assisted Living
  • Adult Day Programs
  • Nursing Home Care
  • Respite Care
  • Training for Loved Ones
  • Home Accessibility Modifications

While it is important to know what long term care insurance covers, it’s equally important to be aware of some of the things it may not. For example, not every policy will cover for family member training or care for existing disabilities. That’s why it’s beneficial to ask your advisor, “what does long term care insurance cover”? This way, you can have a better idea of what benefits you’ll be able to receive.

Texas Wealth Advisors can help you with your long term care insurance in Richmond, TX. Working with long term care advisors can potentially help you better understand the potential insurance policy options.

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Custodial Care

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pay only for skilled care–not custodial care.


Remember, custodial care only helps with the following five actions:
  • Eating
  • Bathing
  • Dressing
  • Toileting or continence
  • Transferring

If you need help with the above, Texas Wealth Advisers will make sure to find the right custodial care service for you! We serve Richmond, TX and the surrounding areas.

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