Kehilla Care offers a stay-at-home benefit which can pay benefits for numerous options that support care in a home environment such as care planning visits, home modifications, an emergency medical response system, durable medical equipment, caregiver training, and home safety checks.

In certain circumstances, our care coordinators can authorize customized benefits for services that are not specifically provided by the Kehilla Care. For example, under an alternate plan of care, we will consider a facility that is not normally covered under the LTCBP if it meets your needs. The flexibility of an alternate plan of care allows the LTCBP to provide you with benefits for cost-effective care and the services you want and need.

Kehilla Care covers approved care provided at home by informal caregivers such as friends, family members, and other non-licensed caregivers. When informal care is provided by non-family members, it is covered for the benefit period you’ve selected (two years, three years, five years or unlimited). When informal care is provided by family members, it is covered for up to 500 days of care in your lifetime. Informal caregivers cannot have lived with you at the time you became eligible for benefits, but they can live in your home after you become eligible for benefits.

Kehilla Care features international benefits that provide coverage for enrollees who live or may require care outside the United States. When you receive such services, the LTCBP pays benefits up to 80% of the benefit amounts shown on your Schedule of Benefits.

If your schedule of benefits shows that you have a two-, three-, or five-year benefit period, 80% of your maximum lifetime benefit (MLB) can be used for covered services you receive outside the United States; the remaining 20% will be available for covered services you receive in the United States.

If you are in an assisted living facility, nursing home or hospice facility and need to leave that facility for any reason (for example, you need to be hospitalized), the bed reservations feature in your LTCBP will pay up to 100% of the daily benefit amount for up to 60 days per calendar year to hold your space.

This benefit provides you with temporary care if your caregiver (such as a family member) needs to take some time off. Respite care is covered up to 30 times the daily benefit amount per calendar year and there is no waiting period requirement.

If we deny your appeal of benefits eligibility or of a claims decision, you may request an independent third-party review. A third party, mutually agreed to by the LTCBP, will review our evaluation of your medical condition or functional capacity and will provide a final and binding determination within 60 days after we receive your request for appeal.