Finding affordable long-term care insurance in Connecticut involves more than the cost of the premium being paid to the insurance companies. Affordable long-term care involves finding the right facility to suit the needs of your loved one.
It is possible to find inexpensive long-term care that ends up being more expensive in the long run. For example, putting your loved on into a long term care facility that you selected solely because they offered the least expensive option. You depend on governmental regulations and laws in effect to protect the patient’s safety, so price becomes the driving force in selecting a facility.
You notice that after two short weeks, your loved one’s physical and mental health is declining. You find that in addition to the facility not taking proper care of their patients, the patients were neglected and/or abused. In the long run, it will cost you. It cost financially because now you have to remove the patient and possibly sue the institution. It also cost emotionally.
Careful searching can avoid the emotional and financial expense of selecting the wrong institution. Here are a few tips when searching for long-term care:
1.Reputation: Before you entrust your loved one to a facility, do some research to find out about the institution’s reputation. Speak to other patients and families of patients to find out how satisfied they are with the facility. Find out if they had complaints and how quickly and satisfactorily the complaints were resolved.
2.Adequate Staff: Do you see patients that are unattended and are in need? Is there adequate staff? If on your initial visit you find the staffing is inadequate, chances are it is not a one-time occurrence. The facility might have staffing problems and you might not want to subject a loved one to insufficient staff.
3.Trust your gut: If you walk into a facility and get a bad feeling about it, leave. Do not try to rationalize your feeling. If you think it’s unfounded, do a little more research, but generally your initial take on the situation is right.