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Goodwin Living At Home members can log in to the GLAH Member Portal here: members.goodwinliving.org.
No. Goodwin Living At Home (GLAH) is not a homecare provider. We are a Continuing Care at Home (CCAH) program. CCAHs enable older adults to age in place at home rather than move to a retirement community. GLAH offers five different plans, any of which will help you secure your financial future and care. Our plans compare to long-term care insurance benefits, though they include additional features and member benefits that you’d never get from an insurance company. GLAH membership includes the costs for our team of Member Services Facilitators to coordinate in-home care when you need it. We also coordinate any help you might need at home, whether that’s cleaning and shopping or health checks and appointment setting.
No! We welcome anyone age 55 and older to apply. Unlike most traditional long-term care insurance providers, we have no age barriers as long as participants meet the medical criteria during the application process. You can be in your 70s, 80s or even 90s when you join our program.
Put simply, long-term care insurance and health insurance are two very different forms of coverage. It is a common misunderstanding that Medicare covers the costs of long-term care that many people need as they age–it doesn’t! Medicare is a form of health insurance, and health insurance plans cover costs incurred for medical needs such doctors’ visits, medical procedures, hospital stays, medications and ambulance bills. Long-term care insurance is very different in that it covers a range of personal care services. Personal care services include assistance in tending to basic activities of daily living, such as bathing, dressing and getting in or out of bed.
Long-term care insurance is crucial for two primary reasons: It can help keep your savings secure, and it can provide you with more options for care as you age. The rates you pay for long-term care insurance often depend on your age, health, gender (women typically pay more than men) and the amount of coverage you’re purchasing.
We can’t answer that question for you. Many factors contribute to the need for long-term care. The U.S. Department of Health and Human Services estimates as many as 52% of those aged 65+ will need long-term care. The need for such care can be the result of an unexpected and sudden change in health, such as that caused by a stroke or a fall, or simply due to living well into our later years.
While you have options for how you plan to pay for care, securing long-term care insurance can go a long way to help defray costs. It is also important to note: You cannot wait until you need help to think about long-term care insurance. You must qualify for coverage in order to purchase it; qualification depends on your health, and traditional long-term care insurance programs also factor in your age.
Your actual costs depend on the level of care you need. The averages below provide a starting point to use as you plan.
These costs can be offset considerably if you have long-term care insurance. Of course, you will want to factor in the cost of insurance as you consider your options. How much you will pay for your policy will vary. Your age and gender factor into the cost, as will the type of coverage you decide to include in your policy. Genworth offers a cost calculator if you want to get a general idea as you explore options.
Our research reveals the following costs of care on average to be:
|Home Care Services – Half Day||$33 / hour||$47,520|
|Home Care Services – Whole Day||$33 / hour||$95,040|
|Assisted Living||$276 / day||$99,360|
|Home Care – 24/7||$500 / day||$183,000|
Planning for the future provides peace of mind for ourselves, our families and friends who love and care for us. With insurance, you pay for future costs now and provide greater financial security for yourself and your loved ones.
No, Goodwin Living At Home is a Continuing Care at Home (CCAH) program. Based on care and services provided in continuing care retirement communities (CCRCs), most CCAH programs offer financial plans that provide coverage for future costs of care as well as care coordination from an expert. You might think of GLAH as an insurance-like program, though our program reaches far beyond offering coverage for the costs of care.
Because GLAH is not a traditional long-term care insurance program, we have options for people who might have passed on the opportunity to purchase long-term care insurance in the past. We often help people get benefits they thought were no longer available to them, or we help people cover gaps in their coverage. Either way, we can help you create a personalized plan.
Choosing Goodwin Living At Home in addition to or instead of a traditional long-term care insurance policy secures personalized attention from caregivers and health professionals, including our team of Member Services Facilitators. Our facilitators welcome you to the program when you join, provide expert guidance in making a plan for your future, and will be there for you to check in with you regularly and coordinate your changing care needs as you age.
Interested in learning more about Goodwin Living At Home? Get in touch with us today to start a conversation about your future.