Helping You Get the Care You Deserve,
From the Coverage You Have
Our Certified Long-Term Care Advocates are here to guide you through every step of the process. We work to simplify the experience, prevent costly delays or denials, and help you receive the full benefits available under your policy.
From reviewing your coverage and explaining your options to coordinating directly with your insurance provider, our team is dedicated to making the process as smooth and stress-free as possible. We take the guesswork out of claims and help you focus on what matters most—getting the care and support you or your loved one needs.
From reviewing your coverage and explaining your options to coordinating directly with your insurance provider, our team is dedicated to making the process as smooth and stress-free as possible. We take the guesswork out of claims and help you focus on what matters most—getting the care and support you or your loved one needs.
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
Understanding your long-term care insurance policy can be confusing, but we’re here to help. We have a dedicated Long-Term Care Insurance Specialist whose full-time role is helping families review their policies and make the most of their benefits—free of charge.
During your consultation, our specialist will:
- Schedule a call with you and your insurance provider
- Speak directly with your provider’s representative on your behalf
- Identify the benefits available to you under your policy
- Provide a complete report summarizing the call
This free service guides you to fully understand your coverage and receive all the care and support your policy provides.
We Can Bill Your Insurance Directly
We’re proud to offer an exclusive partnership with Clear Claim Technologies (CCT), a concierge service that simplifies the long-term care insurance process. Through this partnership:
- We can bill your insurance company directly by taking the assignment of benefits, meaning you won’t have to wait to be reimbursed for care.
- CCT advocates for you, handling any claim denials or disputes on your behalf to help you receive the benefits you deserve.
- Our care team is specially trained by CCT to identify key details during an intake, helping to minimize the risk of claim delays or denials.
Experts in Maximizing Your Benefits
Long-Term Care Insurance is a powerful resource but utilizing it can be confusing and time-consuming. That’s where we come in.
Our Certified Long Term Care Advocates are here to help you navigate the process from start to finish. Our goal is to simplify the process, prevent costly delays or denials, and ensure you receive the full benefits available under your policy. Schedule a complimentary policy review with one of our team members to see what in-home care services your policy covers.
Schedule a Complimentary Policy Review.
Your Long Term Care Advocates
Lead Policy
Sarah Rhodes
10 Years of Senior Care Experience
Claims
Stacy Strottman
23 Years of Healthcare Administration Experience
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
Most long term care insurance policies include what’s called an elimination period—a waiting period you must meet before your benefits begin. Instead of being based on dollars spent, it’s usually measured in days of care received (commonly 30, 60, or 90 days). For example, if your policy has a 90-day elimination period and you receive care for 4 hours a day for 10 days, you will have 80 days left in your elimination period.
What does this mean for home care? Starting care earlier can actually save you money in the long run. If you begin home care when you only need a few hours a day—say, 4 hours—those days still count toward your elimination period. By the time your care needs increase and costs are higher, your elimination period will already be satisfied, and your long term care insurance will begin covering the expenses.
A long term care insurance policy is designed to help offset the costs of care, but it may not cover everything. Each policy has daily, monthly, or lifetime benefit limits. Once those limits are reached, you would be responsible for additional costs. Planning ahead—such as starting care earlier or using benefits strategically—can help extend the value of your policy and reduce the chance of running out of funds too soon. A strategic use of your benefits for home care is often less expensive than moving into a facility. Every situation is unique, and it is important to weigh the advantages and disadvantages of your options.
No, a long term care insurance policy is written specifically for the individual insured. Benefits cannot be transferred or used for a spouse, partner, or family member. However, if both you and your spouse have separate policies, each policyholder can access their own coverage when needed.
Yes, many long term care insurance policies allow you to use benefits in multiple settings. This may include home care, assisted living communities, independent living communities, and memory care. Home care benefits are especially popular because they allow you to remain in your current living situation while still receiving professional support. We are happy to help you assess your policy for details, as coverage varies by plan.
