Home Care Services and Home Health Care Insurance

The majority of seniors would prefer the comfort of their own home as opposed to living in an assisted care facility. They are most comfortable in their own environment where they feel safest and closer to the things they love and care about. Home health care is a long-term care option that promotes those individual’s independence and ability to continue with their normal, daily routine as long as possible.


Those providing home health services take certain risks which require home health care insurance as well as trained and skilled nurses to provide services to these clients. The goal is to provide in-home care for those who need it, while allowing an individual to remain living at home as long as possible, despite having certain disabilities.


Home care services cover a wide range of needs


Home care providers offer many services, from homemaking and companionship, to meal preparation and medication administering. They may also include personal care services, or those that help with the activities of daily living, including things like bathing, dressing, and grooming.


Often, skilled services that utilize the expertise of a nurse includes checking vital signs, coordinating with doctors and other healthcare professionals that may be working with the individual, and also performing comprehensive evaluations of health and community needs to keep individuals safe at home. There is however concerns related to mistreatment that must be monitored and reported when discovered.


For example, if a client were to fall while the caregiver was assisting the client to access and negotiate the use of the restroom, while this could clearly be the case of an unfortunate accident, it should be investigated in order to determine whether or not the attendant mishandled the performance of their duties. If the client were to sustain a serious hip fracture the family may be determined to sue for neglect or abuse.


If it was determined that the caregiver did not adhere to written procedures involving client handling and employee training or patient transfer was substandard, there may very well be grounds for legal action. This could call into question whether the initial hire and follow through refresher training programs were satisfactory or in need of improvement.


In addition to home health care insurance, owners should also look into separate abuse and molestation coverage, as well as employee dishonesty coverage, blanket additional insured for managers, and landlords of premises where required by contract. Speak to an agent familiar with the insurance needs of this growing industry.


photo credit: VinothChandar cc