Turning Your Policy into the Care You Need
Navigating a long-term care insurance policy on your own can feel overwhelming. Our Certified Long-Term Care Advocates walk beside you at every stage, working to keep the process moving, avoid unnecessary delays, minimize the risk of claim denials, and help ensure you receive every benefit your policy provides.
What sets our team apart is the clinical expertise of our Registered Nurses. Many long-term care insurance claims require detailed documentation demonstrating that the insured meets the policy’s benefit eligibility requirements. Our RNs conduct comprehensive assessments, accurately document care needs, and work closely with your physician and insurance company to provide the medical information necessary to support your claim.
From an initial review of your policy and RN assessment to ongoing communication with your insurance carrier, our team manages the details so you and your family can focus on what matters most—receiving exceptional care at home.
A long-term care policy is only as valuable as your ability to access its benefits. By combining experienced Certified Long-Term Care Advocates with skilled Registered Nurses, we help families turn a complicated claims process into a clear path toward receiving the care and financial benefits they deserve.
Schedule a complimentary policy review with our team to learn what your plan covers, determine whether you qualify for benefits, and discover how quickly we can help put your policy to work.
How We Support You
Full Policy Review and Benefits Breakdown
We go through your policy line by line so you understand exactly what it covers.
Help Filing and Documenting Your Claim
We prepare and submit your insurer's required paperwork correctly the first time.
Support through the Elimination Period
We explain what counts toward your waiting period and how to satisfy it efficiently.
Continued Communication with Your Provider
We stay in touch with your insurance company throughout your care so nothing falls through the cracks.
A Free, No-Obligation Policy Review
Long-term care policies are dense and full of industry language most families never have to decode. That’s why we offer a complimentary review led by one of our Certified Long-Term Care Advocates whose sole focus is helping families make sense of their coverage.
When you schedule your review, we will:
- Set up a call that includes you, us, and your insurance provider
- Speak directly with your provider’s representative on your behalf
- Walk through the specific benefits available under your policy
- Send you a written summary of everything discussed
There is no cost and no obligation. Our goal is simple: to help you understand and make full use of the coverage you already have.
Insurance Providers We Regularly Work With
- Aetna
- Allianz
- Bankers Life LTC
- Berkshire
- Brighthouse Financial
- CNA Insurance
- Genworth
- Global Atlantic
- Guarantee Trust Life
- John Hancock
- Lincoln Benefit
- Mass Mutual
- Met Life
- Mutual of Omaha
- New York Life
- Northwestern Mutual
- One America
- Physicians Mutual
- Prudential
- State Farm
- Thrivent
- Transamerica
- UNUM LTC
Don’t see your provider listed? Reach out anyway. We’ll work directly with your insurance company to help your care begin without unnecessary delay.
Frequently Asked Questions
Most long-term care policies include an elimination period, which is a waiting period measured in days of care received (often 30, 60, or 90 days) rather than dollars spent. Starting home care early, even for just a few hours a day, allows those days to count toward that waiting period. By the time your care needs grow, your elimination period may already be satisfied and your policy can begin covering costs sooner.
Long-term care insurance is designed to offset the cost of care, but most policies come with daily, monthly, or lifetime benefit limits. Once those limits are met, remaining costs become your responsibility. Using your benefits strategically, such as beginning care earlier, can help you get more value from your policy over time. Home care is often a more cost-effective way to stretch those benefits compared to facility-based care, though every situation is different.
No. A long-term care policy is written for a single specific person who is insured, and its benefits cannot be shared or transferred to a spouse, partner, or other family member. If both spouses hold their own individual policies, each can access his or her own coverage separately.
Most long-term care policies are flexible across care settings. Many can be applied to home care, assisted living, independent living, and memory care communities. Home care benefits tend to be especially valuable because they let you remain in a familiar environment while still receiving professional support. Coverage details vary by plan, so we’re happy to help you review your specific policy.
