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Discuss with your policy holders. This is up to you to explore with those who you have been paying this insurance to. Each policy is different.
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Are you able to help her, and if not, why?

Is she getting medical care for her hands? I'm asking because my LO has hand problems, including arthritis, and gets injections that help for some of the issues.
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That would be you. You can help with the cooking and cleaning.
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I've got arthritis as well and I take drunken raisins. I eat 9-10 each day. Don't worry - you can't get tipsy from them. It's not going to hurt anything and it might give her some relief.

Here's the recipe: https://www.peoplespharmacy.com/articles/how-to-make-gin-soaked-raisins-for-joint-pain
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Mabar2000: If you are well enough, perhaps you can be the help that your wife requires. If you don't know how to cook, start off with easy or prepared meals.
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You can call your county's social services and request an in-home needs assessment. She may qualify for services like food-prep, light housekeeping and help with hygiene.
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NeedHelpWithMom Mar 2024
Adding to Geaton’s post. Please know that there will be a waiting list so call as soon as possible.
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Why would you be asking that question here? Why not call the insurance company her LTC policy is from and ask them if they cover homecare services.
They would certainly know better than anyone here.
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I don't have Medicare and needed home care after major surgery. I got some from an agency recommended by the hospital social services worker. They have minimum time and charge ($39 per hour x 4 hours per day x 3 days per week) but take care of taxes, etc. (My Angels Home Care in So. Cal). I used them for a few months.

However, at $20+ per hour, you can hire someone to come in as you need. You may pay an additional fee for bookkeeping. I am in the process of interviewing someone for 2 hours per day x 5 days per week to do light housekeeping, etc. This is a registry for people needing/available to do housekeeping and personal care. I am able to take care of my personal needs, but need someone for light housekeeping chores. You can find local agencies through an on line search or through social services at your hospital. (Care.com)

Hopes this gives you some leads.
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JoAnn29 Jun 2024
I would think your health insurance would provide in home for a short period of time.
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Get her a microwave and start enjoying frozen meals. I am going to assume you neither cook or clean. Hire a cleaning person once a week.
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gemswinner12 Jun 2024
If he can type, he can cook and clean. Next!!
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All LTC policies vary.
I would say few things cover issues such as arthritis in hands and difficulties with normal housework, but I could easily be wrong. Most LTC is measured by qualifying in much the same way as you would a need for in facility care. That would mean severe mental and/or physical deficits and a need more for 24/7 care, rather than household help.

As I said, I could easily be wrong.
You have a contract that came with your policy. Read that. And do call them to ask questions.
Good luck.
Remember that, hard as it can be, most arthritic conditions progress more slowly with some exercises. Check with the doctor about physical therapy. Some hand strengthening truly helps, but you DO NOT want to do it wrong, thereby injuring the condition further. So this is expert advice you want from your medical team.

Best of luck.
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