Get the most out of the benefits you’ve already paid for.

Chances are, if you have a long-term care policy, you probably don’t recall the details of the benefits you’re entitled to. 

Is it a daily, weekly or monthly allowance? Is there an elimination period? An inflation rider? Geriatric care management or medical equipment benefits?

These policies are difficult to understand even when they are first purchased, let alone years or decades later.

Our long-term care insurance specialists are happy to review your policy or call your insurance company to advocate on your behalf.

We’ve been working with long-term care insurance companies for over 25 years. Over that time, we’ve become experts in helping clients maximize the benefits that their policies will pay for.

Let us help you get the most out of your long-term care policy, as well.

We Accept All Long-Term Care Insurance

  • American Pioneer
  • Banker’s Life
  • Brighthouse
  • CNA
  • Conseco
  • Genworth
  • HealthSmart
  • John Hancock
  • Kanawha
  • MARSH
  • Mercer
  • MetLife
  • Mutual of Omaha
  • New York Life
  • Penn Treaty
  • Prudential
  • UNUM
  • TransAmerica
  • Travelers
  • WellCare
  • And Others…
We get insurance. You get care.

Long-term care policies and other insurance products with homecare benefits can be complicated. Even if you understand what you’re entitled to, filling out paperwork and submitting claims is difficult for almost everybody.

We make long-term care claims easy and automatic. After an initial call with a client and their insurance company to confirm that we may make claims on their behalf, we handle all of the paperwork for the duration of the client’s care.

That’s it; just one call and you’re done.

That’s what experience looks like.

We may even be able to assist you or your loved one in filing timely long-term care insurance claims if you have hired an aide or caregiver privately. Call us to see how we can help.

Free Consultation
Let's talk about how we can help your loved one

    OUR PROCESS
    You're In Charge. We're Here to Help.
    1
    Free Consultation
    An initial phone, screen or in-person meeting with one of our homecare experts to assess your loved one's needs.
    2
    Verification of Benefits (optional)
    If relevant, we will call a potential client’s long-term care insurance company with them to confirm their benefits.
    3
    Schedule and Estimate
    Based on the assessed needs and desired hours, we estimate the cost of a qualified and experienced caregiver.
    4
    Caregiver Interview
    We refer one or more aides uniquely suited to the client’s needs. An interview confirms personality fit and comfort.
    5
    Start of Care
    The home care assistant hired by the client will begin on the set schedule. If needs change, we are always here to help.
    Our Services
    Long-Term Care Insurance Policies Generally Pay for:
    Hourly and Live-in Homecare

    Compassionate assistance matched to your loved one’s unique needs and schedule in their own home.

    Companionship and Meal Prep

    Ensuring your loved one is engaged and stimulated in their home or community, as well as properly nourished.

    Respite Care

    Providing a breather for yourself or another primary caregiver to ensure you have time to take care of yourself.

    Errands and Light Housework

    Transportation and support for doctors’ appointments, shopping and keeping living spaces tidy and sanitary.

    Alzheimer’s and Dementia Care

    Specially trained homecare aides providing dignified and loving in-home care for seniors with these ailments.

    Other Care Services

    Bathing visits, transportation services, return-home preparation, games and stimulation, and much more.

    Benefit from More than 25 Years of Insurance Experience

    We’ve collected some of our acquired wisdom into the following frequently asked questions about long-term care policies. Please call us with any additional questions you may have or to discuss your loved one’s individual policy.

    What is a long-term care insurance policy?

    A long-term care policy, or a life insurance policy with long-term care benefits, can help pay for the cost of in-home care.

    These policies come in all different types, and we are happy to help you figure out what your policy includes. Let our experts help you maximize the benefits you’ve already paid for!

    Not sure if you have a policy that covers long-term care? We’re happy to help you figure it out. Call us for a no-obligation consultation.

    Learn More

    What does a long-term care policy pay for?

    Every policy is unique, but long-term care benefits generally cover or contribute to the cost of caring for aging individuals.

    If your loved one prefers to live at home rather than a nursing or assisted living facility, this coverage includes paying for a home health aide or certified nursing assistant providing in-home care.

    Long-term care policies typically define a daily, weekly or monthly amount that they will pay. However, some policies include an inflation rider, which allows this amount to increase over time.

    In addition to direct care, many policies include ancillary benefits such as geriatric care management or medical equipment such as bathroom grab bars. Policies may not cover at-home nursing care provided by an RN or LPN, as these services, when prescribed by a physician, are typically covered by Medicare.

    What is an elimination period?

    An elimination period is like a deductible found on health insurance plans. It is a defined period of time – typically 30, 60 or 90 days – that the insurance company requires the policy owner to pay for care before the policy’s benefits kick in.

    What many policy holders don’t know is that there are situations in which a hospital visit, rehab stay or Medicare-reimbursed at-home nursing care or therapy may qualify towards an individual’s elimination period.

    One of our insurance experts can review your loved one’s circumstances and advise as to whether there may be a way to cover the elimination period with limited or reduced out-of-pocket costs.

    Do I need to qualify to use my policy?

    An individual is generally eligible to use the benefits in their long-term care insurance policy once they need assistance with two out of the five Basic Activities of Daily Living:

    • Personal Hygiene / Bathing
    • Dressing
    • Toileting
    • Transferring / Ambulating
    • Eating

    A note from a primary care physician is typically needed to attest to a patient’s need for assistance with these activities.

    When should I start to use my benefits? Will they run out?

    The answer to these questions varies greatly depending on an individual’s policy, health and financial situation. Financial advisors and family members should be consulted in making the ultimate decision.

    However, a few statistics are worth keeping in mind:

    • According to the American Association for Long-Term Care Insurance, only 35% of policy holders with a typical elimination period end up using any of their benefits.
    • Approximately 15% of policy holders are eligible and would start care, but delay doing so because of elimination periods and end up never using their policy.
    • The US government reports that on average, American seniors use less than one year of paid homecare and approximately one year’s worth of care in various facilities, for a total average duration of paid services of less than two years. Women typically require services for 2.5 years, while men require care for 1.5 years.

    If your loved one needs care now, these statistics suggest that taking advantage of benefits that are available, while budgeting appropriately for the potential duration of care, both makes sense and can greatly improve a senior’s quality of life.