It is no secret that life can be unpredictable and traumatic. Whether it is the result of a major catastrophe or just a series of unfortunate events, you may find yourself in a position where you are not sure how you will make it through the week. That is why we have created the Speedway Short Term Disability Plan. We know that sometimes life can feel overwhelming and even scary. That is why we have designed our plan to be both flexible and accessible. Let’s take a closer look at exactly what the plan provides.
Access To Medical Treatment
One of the greatest things about the Speedway Short Term Disability Plan is that it provides access to medical treatment. This may mean getting a CT scan, going for a surgery, or even being hospitalized. The plan pays for all medically necessary visits up to 100% of your pay for up to 90 days. After that, you are on your own. However, it is important to note that if you do not have medical coverage, the plan will only pay for up to 50% of the treatment costs. There are many scenarios where this could become critical. For example, if you need surgery and do not have the money for it, you could end up having to wait until you qualify for Medicare. Fortunately, that is not the case here. You are covered 100% of the time and the coverage is very generous.
Live In A Comfortable Home
Another great thing about the plan is that it provides you with a live-in caregiver. Not only do you get to take a break from the worries of the world, but you can also get some quality time with your family. We know how important it can be to have family around during this time, and the plan allows you to have that. You can choose from a variety of caregivers, all of whom are qualified and experienced in looking after someone with cognitive or physical limitations. This can be a great option for those who qualify. You may not want to be isolated in your home if you do not enjoy that type of lifestyle. The plan provides you with the flexibility to choose where you would like to live and allows you to keep the comforts of home.
Flexible Work And Play Phases
Another unique aspect of the Plan is that it allows you to have more freedom in how you want to manage your care. You may want to rest for a while, so the plan gives you the flexibility to take a break from your job. Or, you may want to go back to work and even take on more responsibility. The plan allows you to do that, as long as you can handle the extra workload. You have an option to work part-time, and when you return to work, you can do so in a more flexible manner. The plan also provides you with the flexibility to attend daycare, school, or college as you please.
Respite care is what the plan calls for when you need help caring for your loved one. You can ask for help when you need it and be sure that you will not be penalized for needing help. You may need this occasionally, as it can be quite demanding to care for a loved one with Alzheimer’s or dementia. Respite care is beneficial because it gives you some time to get away from the person you are caring for and take a break. When you are provided with respite care, you can be sure that you will not be punished for needing time for yourself. It is often difficult to find the time to care for your loved ones, especially since it is not easy to get away from them. The plan allows you to do that and be sure that you will not be penalized for needing a little time to refresh yourself.
Not only does the plan cover your home care, but it also provides you with travel expenses. That means you can go anywhere and see anybody you choose. Once you have made the initial enrollment, you can begin selecting a travel schedule. The plan will pay for all of the travel costs, up to 100% of your pay, provided you use it within 90 days of the enrollment. You are covered by this for the entire length of the trip, including food and lodging. This is a great option for anyone who does not mind traveling or staying in a different place for an extended period of time.
Help At Any Time
One of the most important things about the Plan is that it has a 24-hour help line. No matter what time of day or night it is, you can contact customer service and get help with whatever you need. Just remember that it is a recorded message, so you may have to leave your name and contact information. The help line will get you an advisor as soon as possible. You should have someone helping you out every step of the way, so this extra layer of support can be especially beneficial. Some people with Alzheimer’s or dementia have a hard time remembering things and may lose track of what is happening at times. Having someone available to help can prove invaluable.
If you qualify for the plan, it can be a great option. You will need to look into all of the details before making a decision, though. The help line is certainly accessible 24 hours a day, 7 days a week, so you can be sure that you will always have someone to turn to. That is important, especially if you are a senior and may feel overwhelmed by the amount of work that needs to be done each day. The plan can help you get through the day and allow you to focus on what is important to you. It can give you a sense of peace and calm during this chaotic time. The plan may be the key to getting through the challenges that you and your loved ones are currently facing.