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J
Jpip23 Asked September 2023

Can a professional caregiver (RN) be paid to provide care to parents if the long term care insurance policy excludes family members?

BurntCaregiver Sep 2023
If the insurance policy does not allow for family members, it doesn't matter if the person is an RN, and LPN, an MD, or a CNA.
Many insurances have a 'no family' policy.

Frebrowser Sep 2023
Read the policy to see if there is an exception for RN family members who work through an agency or if the insurance may allow case by case exceptions for those in special circumstances (isolated areas with few caregiving options?).

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AlvaDeer Sep 2023
Not if the professional RN IS a family member, no. She would be excluded.

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