My brother is completely disabled and we are looking for SNFs where he can get better medical attention than he is getting in his own apartment. But he has a caregiver who has been with him for 30 years that we would like to be able to have continue to help him with some of his non-medical needs if we move him to a SNF. I am trying to find out who is responsible for paying a personal/private caregiver in a situation such as this.
I honestly doubt an insurance company was...the life time caps on those policies would have been used up long before 30 years.
My parents had a great policy for in-home care. But, it was just that ... in-home only. The lifetime cap would have meant the benefits would have expired after 7 years.
I think that is a really exceptional situation. Generally the personal attendant would be private pay. Is your brother on SSI? Does he have a case worker? I think I'd start by discussing the financial aspects of moving to a SNF with them.