Making Ends Meet-DRAFT

Coming Soon!

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Summary: the best ways to save money, plan ahead, get support, and pay for everything.

• Equipment / Loan Closet
• Understanding Insurance
• Generating Support from Your Community - respite care, etc.
• Health Insurance
• Etc.

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Policies Purchased Before Diagnosis

Some people purchase policies when they are healthy in the event that they may become disabled in the future. If you purchased such a policy prior to your symptoms and diagnosis and have been paying your premiums, you should receive benefits according to your contract.
 

• If you or your employer purchased a short-term or long-term disability insurance policy, you should be reimbursed a certain percentage of your former salary for a stated period of time after you have stopped working.

 

• If you purchased a long-term care policy, it should help pay for non-medical long-term care in your home or in a care facility.
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• If you purchased a life insurance policy with a long-term care provision, or rider, it should help pay for non-medical long-term care in your home or in a facility. There may also be options to take cash out (for a penalty) of a standard life insurance policy to help pay for your expenses.

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For More Information

• Understanding Insurance and Benefits – ALS Association Resource Guide