top of page
Long term.webp
Using Your Long-Term Care Insurance for Personalized In-Home Care

​

 

Your Long-Term Care Insurance (LTCI) policy is a key resource designed to help you maintain your independence and quality of life at home. It covers the cost of personal care services that help with daily activities, which is exactly what we provide.

​

We specialize in working with LTCI providers to simplify the process for you. We verify your benefits, help with the required clinical assessments, and handle all billing directly with your insurance company, ensuring you receive the care you need with minimal hassle.

Every policy and need is unique. We typically structure care into three tiers based on the level of support required:

​​

Our Service Tiers

1

Essential Support (Maintenance & Wellness)

For: Clients who are largely independent but need assistance with a few specific daily tasks to remain safe at home.

​

Weekly Hours: 10 - 20 hours
 

Common Services Included:

​

  • Assistance with 1-2 Activities of Daily Living (ADLs) like bathing and dressing.

​

  • Medication reminders.

​

  • Meal preparation.

​

  • Light housekeeping and laundry.

​

  • Companionship and safety supervision.

​

 

 

Typical LTCI Use: This tier helps manage the initial benefit period or provides maintenance care, often delaying the need for a higher level of care.

​​

​

2

Comprehensive Care (Significant Support)

For: Clients with greater needs, such as those recovering from a medical event or experiencing moderate mobility or cognitive challenges.

​

Weekly Hours: 25 - 40 hours


Common Services Included:

​

  • Assistance with 3-4 ADLs (e.g., bathing, dressing, toileting, mobility/transfers).

​

  • Managing incontinence care.

​

  • More extensive meal preparation and feeding assistance.

​

  • Skilled observation and reporting for cognitive conditions.

​

  • Transportation to medical appointments.

​

Typical LTCI Use: This is the most common tier for clients actively using their benefits. It provides substantial daily support and aligns well with most policy daily benefit amounts.

3

Full Support
(Live-In or Extensive Care)

For: Clients who require around-the-clock supervision and assistance, or those wishing to avoid a nursing facility.

​

Weekly Hours: 40+ hours

(up to 24/7 care)
 

Common Services Included:

​

  • Assistance with 5+ ADLs.

  • Continuous personal care and monitoring.

  • Advanced care for chronic conditions like Alzheimer's or Parkinson's.

  • Overnight assistance and safety supervision.

  • Full management of household tasks.

​

 

 

Typical LTCI Use: This tier utilizes the maximum benefits of the policy. We work closely with insurers and families to create a sustainable care plan, sometimes combining LTCI with other funding sources.

​

How We Facilitate Your LTCI Claim:​

  1. Verification: We contact your insurer to confirm your benefit amount, elimination period, and coverage requirements.

  2. Assessment: Your provider conducts an assessment to create a personalized plan of care that meets both your needs and your policy's criteria for benefit triggers (ADL assistance).

  3. Paperwork & Billing: We handle all claims documentation and bill your insurance company directly, providing you with peace of mind.

​

Let us help you unlock the benefits you’ve earned to live safely and comfortably at home.

bottom of page