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In-home care is typically paid for out-of-pocket. However, that's not always the case. As you develop a long-term care plan for yourself or a loved one, consider factors such as medical needs, family support system and budget. Here are 7 ways that can cover costs:

  1. LONG-TERM CARE INSURANCE (LTC) - LTC insurance covers personal care services, such as bathing and dressing. Check with your loved one's insurance company about coverage or contact us for a free insurance eligibility verification.

  2. VETERANS PENSION (AID & ATTENDANCE) - Those receiving a VA pension may be eligible for a home care allowance through Aid & Attendance and Household benefits. Visit for more information.

  3. CATASTROPHIC AUTO INSURANCE - Catastrophic auto insurance acts as a personal-injury protection or "no fault" insurance in the event of an accident. Check with your loved one's insurance about coverage.

  4. WORKER'S COMPENSATION - Worker's compensation may cover home care costs associated with an illness or accident on the job. Check with your or your loved one's insurance about coverage or contact us for a free insurance eligibility verification.

  5. REVERSE MORTGAGES - Reverse mortgages are available to people 62+ who own their home. The funds can be sent in monthly installments or a lump sum. Shop around if you or your loved one are considering a reverse mortgage. Visit for more information.

  6. MEDICAID - Medicaid may cover home care services through a waiver program, which vary by state. Contact your local Comforcare Home Care office to see it participates in a waiver program.

  7. FAMILY FUNDS - Siblings and other family members may agree to cover the cost of home care. To set up a formal agreement, consult an elder law attorney for guidance.

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