With LTC, what kind of in-home care services will they provide?

Mom's LTC kicked in after 90 calendar days and paid for Visiting Angels to come in to help with bathing and dressing. Since they had minimums for daily and weekly hours, the management was happy to promise that she could also have help with "light housekeeping" and meal preparation.

So, they did Mom's laundry, including changing her bedding as needed, emptied the dishwasher and the trash, and cooked meals, including steel cut oats for the next day as well as fruit and veggie snack bowls. Sometimes one would sweep the kitchen or clean Mom's bathroom.

They wouldn't handle medication, but would do reminders. They wouldn't trim toenails, but would apply lotion following directions for lymphedema massage.

One was happy to pick fresh fruit from the yard, Another appealed to management when asked to put a single Trader Joes basil plant into the ground by the front door.

Long term care policies that cover in home services such as ADL, assist toileting. But they are not housekeepers. You would to hire separately and pay for those tasks.

I would suggest you carefully document what ADLs she cannot do. That would mean you have already deliniated what she needs help with. Now it will be on them what care the care the policy says will be delivered. Read your LTC Policy careful. They can have limitations in care and in time it will rendered. I have read some that refuse to support LTC facility unless there is a full time RN. And of course there is NEVER that in a LTC facility. So read the policy. I would think that ALL of the above is good. Perhaps the making dinner, dependent on what is expected, will have limits. I think that they likely use such agencies as Visiting Angels, which do all of the above you mention, including will help with shopping and appointments if mileage and extra fee paid. LTC is to keep the elder in the home, and most policies Do help with housekeeping (light) bed changing, laundry and etc.
Wishing you good luck. Let us know. Your information can help others.

Don't confuse long-term care with housekeepers. One helps a person with their personal care, the other helps with the house.

I hired caregivers for my mother for a brief period before she went into a nursing home, and they would make her meals for her, but they didn't clean up the kitchen other than what she had dirtied -- her dishes, the pots and pans used -- but not my dishes. That was fine and what I expected, but no, they weren't going to pick up a broom, empty the trash or do any of the things I could do because I was living in the house with my mother at the time, too.

You'll need to check with the agency providing the caregivers, but don't expect anything beyond the most basic housekeeping. They are not housekeepers.

Check your policy. There are variations from one company to another. Or call the company directly and ask.