resources | FAQ

Your personal health navigator uses a professional assessment tool that evaluates your ability to perform Activities of Daily Living (ADLs), such as bathing, dressing, eating, mobility, and toileting. The amount of home care you need each day is determined based on your proficiencies in these ADLs, ensuring you receive the appropriate level of support to continue aging in place safely.

Your Friendship at Home membership is a holistic, proactive approach to aging in place. It complements long-term care insurance in several ways:

1. Care at home begins immediately: there is no elimination or waiting period, which is typically the case with a long-term care insurance policy.
2. Coverage for care at home requires only one ADL need, while most long-term care insurance policies require two or more.
3. Friendship at Home becomes your primary coverage for private pay care costs. Any additional policies and coverage options will be applied after Friendship at Home coverage.
4. Because you are receiving care at home versus a senior living community, you can extend the life of your long-term care cash benefit.
5. Your personal health navigator manages all aspects of your healthcare and home care, including insurance administration. These services are not provided by long-term care insurance.

* Note: It is not a requirement to have a LTCI policy to be a Friendship at Home member, but if you do have a policy, they can work together for your care.

Now is precisely the time to join. Eligibility for our aging-in-place program is based on your current health, and joining early ensures you secure long-term care coverage before an illness, injury or chronic condition could limit your options. This kind of advance planning gives you peace of mind and protects your ability to remain at home in the future.

Membership fees may qualify as tax-deductible medical expenses, like long-term care insurance premiums. The entrance fee may be eligible for a one-time deduction, and a portion of the monthly fee may also qualify. Deduction percentages vary annually, so consult your tax advisor for current guidelines.

No. It’s your choice. You decide if you want to move to a community or continue to receive care at home. Your Friendship at Home membership gives you lifelong coverage in either environment.

Yes. Through partner agreements, members can move into other communities in Ohio and in other parts of the country. Your Friendship at Home membership and services will follow you to whichever community you select.

Friendship at Home arranges and pays for transportation home following certain medical procedures involving anesthesia or eye dilation. Your personal health navigator can coordinate ongoing, everyday transportation needs through Dorvie, our personal concierge partner. These fees are paid directly by the member to Dorvie.

Following certain healthcare events, and when medically necessary, Friendship at Home may arrange and cover meals for a short recovery period (typically 5–7 days). Ongoing meals, cleaning and laundry services are available through Dorvie, our personal concierge partner. These fees are paid directly by the member to Dorvie.

Yes, your membership and benefits will follow you should you relocate your primary residence or travel outside our service area, within the United States (excluding US territories).