Helping You Get the Care You Deserve,
From the Coverage You Have
Navigating a long-term care insurance policy can feel overwhelming, but you don’t have to do it alone. Our Certified Long-Term Care Advocates provide personalized support to help you understand your coverage, maximize your benefits, and avoid unnecessary setbacks throughout the claims process.
We serve as your partner from start to finish by reviewing policy details, answering questions, coordinating with insurance carriers, and helping put all required documentation in place. By handling the complexities on your behalf, we make it easier for you and your family to focus on securing the care, comfort, and peace of mind you deserve.
Our Services Include
Comprehensive Policy Review and Benefit Analysis
Assistance with Claim Initiation and Documentation
Guidance through the Elimination Period
Ongoing Coordination with Insurance Providers
Complimentary Policy Review
Making sense of a long-term care insurance policy can be challenging, but you don’t have to navigate it on your own. We offer complimentary consultations with our Long- Term Care Insurance Specialist, whose sole focus is helping families understand their coverage and maximize their available benefits.
During your consultation, our specialist will:
- Coordinate a call with you and your insurance company
- Speak directly with a benefits representative to clarify coverage details
- Review the services and benefits available under your policy
- Provide a personalized summary outlining key findings and recommendations
This no-cost service is designed to give you confidence in your coverage, and help you take full advantage of the benefits you’ve paid for.
We Can Bill Your Insurance Directly
We are proud to partner with Clear Claim Technologies (CCT), a specialized service dedicated to making the long-term care insurance claims process easier and more efficient for families. Through this partnership:
- We can work directly with your insurance carrier through an assignment of benefits, reducing out-of-pocket expenses and eliminating the need to wait for reimbursement.
- CCT provides ongoing claims advocacy, helping address coverage issues, denials, and other challenges that may arise during the claims process.
- Our team receives specialized training from CCT to gather the information needed upfront, helping support smoother claim approvals and reducing the likelihood of unnecessary delays.
This partnership allows us to provide an added level of support, helping families access their long-term care insurance benefits with greater confidence and less administrative burden.
Providers We Are Already Working With
Aetna
Allianz
Bankers Life LTC
Berkshire
Brighthouse Financial
CNA Insurance
Davie’s Life and Health
Genesis LTC
Genworth
Global Atlantic
Guarantee Trust Life
Illumfin/CALPERS
Jackson National Life
John Hancock
Lincoln Benefit
Mass Mutual
Met Life
Mutual of Omaha
New York Life
Northwestern Mutual
One America
Physicians Mutual
Prudential
Senior Health Insurance
State Farm
Thrivent
Transamerica
UNUM LTC
Don’t see your company listed? We’ll work directly with your insurance provider to help your services start without delay.
Frequently Asked Questions
Many long-term care insurance policies include an elimination period, which is the amount of time that must pass before benefits become payable. Rather than being based on the amount of money spent, the elimination period is typically calculated using days of qualifying care received and is often 30, 60, or 90 days in length.
What does this mean for home care? Beginning services sooner can be a smart financial strategy. Even if you only need a few hours of care each day, those days may still count toward satisfying your elimination period. By starting care before your needs become more extensive, you may be able to meet the elimination requirement earlier, allowing your long-term care insurance benefits to begin when care needs and associated costs are greater.
Long-term care insurance can play an important role in helping pay for care, but every policy has limitations. Depending on your plan, benefits may be subject to daily, monthly, or lifetime maximums. Once those benefit limits have been exhausted, any remaining care expenses become the policyholder’s responsibility.
Because of these limits, thoughtful planning can help you get the most value from your coverage. In many cases, receiving care at home may be a more cost-effective option than moving into a residential care setting, allowing benefits to last longer. Since every individual’s needs, goals, and policy provisions are different, it’s important to carefully evaluate all available options and choose the approach that best fits your situation.
Long-term care insurance benefits are generally tied to the individual named on the policy and cannot be shared with or transferred to another person. This means that a spouse, partner, or family member typically cannot use benefits from someone else’s policy.
If both spouses have their own long-term care insurance coverage, each policy operates independently and can be accessed by the insured individual when they meet the policy’s eligibility requirements. Reviewing the details of your specific policy can help clarify how benefits may be used and when coverage becomes available.
Many long-term care insurance policies provide coverage for care in a variety of settings, giving policyholders flexibility as their needs change over time. Depending on the policy, benefits may be available for services received at home, in assisted living communities, memory care residences, and other qualifying care environments.
For many individuals, home care is an appealing option because it allows them to remain in familiar surroundings while receiving personalized support. Since coverage details, eligibility requirements, and benefit amounts vary from policy to policy, we can help review your plan and explain the options available to you.
