Long-Term Care Insurance

Put your long-term care policy to work, at home.

If you or your loved one paid into a long-term care insurance policy, it may cover most or all of the cost of in-home care. We do the heavy lifting: verifying your benefits, coordinating a call with your carrier, filing the claim, and billing the insurer directly, so you can start receiving care sooner.

Get your free policy review Call (417) 234-8494

2 ADLs

Most policies pay once help is needed with 2 or more activities of daily living, or with a cognitive impairment

Direct billing

We can bill your carrier directly, at the policyholder's request

Free review

A no-cost assessment of your policy and benefits before you commit to anything

How we help you use your benefits

Call us for a free long-term care insurance assessment and we'll coordinate a call with you and your carrier to:

✓ Identify your policy's requirements, elimination period, daily or monthly maximum, lifetime benefits, and what's covered
✓ Bill your insurance company directly under an assignment of benefits, or give you paid invoices to submit for reimbursement, whichever you prefer
✓ Help you complete the forms needed to file a claim
✓ Handle scheduling, payroll taxes, workers' comp, bonding, and liability insurance, so the care meets your policy's requirements

We have relationships with many carriers and third-party administrators, which makes the claims process faster and far less stressful for your family.

Two ways to use your benefits

Once your claim is approved, you choose how payment works:

Direct billing (assignment of benefits)

You sign an "assignment of benefits" and we bill your insurance company directly. As long as care stays within what your policy pays, you have nothing out of pocket.

Private pay, then reimbursement

You pay us at our regular rate, and we give you itemized paid invoices plus the documentation to send to your carrier for reimbursement.

Not sure which is right for you? We'll walk through both during your free policy review and set up whichever your carrier and your family prefer.

What long-term care insurance usually covers

Every policy is different, but most modern long-term care policies help pay for care in the home, which is where families most want to be. That commonly includes:

✓ Personal care: bathing, dressing, grooming, toileting, and transferring
✓ Wellness care, supervision, and safety monitoring
✓ Help with meals, medication reminders, and light housekeeping
✓ Respite for a family caregiver who needs a break
✓ In many cases, dementia and Alzheimer's care

The 6 activities of daily living

Most policies begin paying once a licensed professional certifies that the policyholder needs help with at least two of these, or has a cognitive impairment such as dementia. This is called meeting your "benefit trigger."

🛀Bathing
👗Dressing
🍽Eating
🚿Toileting
👥Transferring
💧Continence

Understanding your policy

A few terms come up on almost every policy. Knowing them helps you understand what your coverage is really worth. We'll walk through all of these with you during your free review.

Elimination period

A waiting period, often 30, 60, or 90 days, that you pay out of pocket before benefits begin. Think of it like a deductible measured in days.

Daily or monthly maximum

The most the policy will pay per day or month, for example $150/day or $4,500/month. Care above that amount is your responsibility.

Benefit period & lifetime maximum

How long benefits last (such as 3 years) or a total dollar pool the policy will pay out over the life of the policy.

Inflation protection

An option that grows your daily benefit over time so it keeps pace with rising care costs. Many older policies include this.

Benefit triggers

The conditions that must be met to start receiving benefits, usually needing help with 2 of 6 ADLs or a cognitive impairment.

Tax-qualified policy

Most policies sold since 1997 are "tax-qualified," which can affect how benefits are taxed. We'll note this in your review.

How the claim process works

1

Free policy review

Send us your policy or benefits letter. We read the fine print and tell you plainly what it covers and what it will pay.

2

Verify benefits with your carrier

We coordinate a call with you and the insurance company to confirm your elimination period, daily maximum, and requirements in writing.

3

Assessment & plan of care

Carriers usually require a professional assessment and a plan of care. We help arrange it and make sure the paperwork is right the first time.

4

File the claim

We help you complete and submit the claim forms and the caregiver logs and invoices the carrier asks for.

5

Care begins, we handle billing

Care starts on schedule. With your assignment of benefits we bill your carrier directly, or you pay privately and we hand you paid invoices to submit for reimbursement. Either way we keep the documentation current.

Carriers and administrators we help with

We help policyholders with plans from all of the major long-term care insurers and their third-party administrators, including:

Genworth John Hancock Mutual of Omaha Transamerica CNA Bankers Life New York Life MassMutual Northwestern Mutual Lincoln Financial Thrivent and many more

Don't see your carrier? We almost certainly work with them. Give us a call and we'll confirm.

Common questions

Is Medicare or Medicaid the same as long-term care insurance?
No. Medicare covers only short, skilled care after a hospital stay, not ongoing personal care at home. Medicaid can cover long-term home care but is based on income and assets. Long-term care insurance is a private policy you bought specifically to pay for care like ours. If you're not sure which applies to you, we can help you sort it out and look at all of your options.
How do I know if my policy covers home care?
Most policies written in the last 25 years include home care, but the amount and rules vary. Send us your policy or your benefits summary and we'll read it for you at no cost, then tell you exactly what it covers.
What is an elimination period, and do I have to pay during it?
The elimination period is a waiting period (often 30, 60, or 90 days) before your benefits start. During that time you typically pay for care yourself. We help you plan for it and make sure the days count correctly toward satisfying it.
Will you bill my insurance company directly?
Yes. With an assignment of benefits, you authorize us to bill your insurance company directly, so as long as care stays within what your policy pays, you have nothing out of pocket. If you'd rather, you can pay privately and we'll give you paid invoices to submit to your carrier for reimbursement. Either way we manage the ongoing logs and paperwork so you're not chasing it every month.
What if my loved one has dementia?
A cognitive impairment such as Alzheimer's or another dementia usually satisfies a policy's benefit trigger on its own, even without needing help with two ADLs. We handle these claims regularly.
What if a claim is denied?
Denials are often about paperwork, not eligibility, a missing form, an assessment that didn't use the right language, or care that didn't meet a policy requirement. Because we manage the documentation from the start, we help you avoid the common reasons claims get denied, and we help you respond if one is.

Good to know

Coverage, elimination periods, and daily limits vary by policy, and some benefits are subject to your carrier's approval and requirements. Nothing here is a guarantee of coverage. The only way to know what your specific policy will pay is to have it reviewed, which we'll do for free.

Free policy review

Send us your policy, we'll read it for you.

Share your details and a long-term care specialist will get back to you within one business day. No cost, and no obligation to start care.

or send your policy now

Attach a PDF or a few clear photos of your policy or benefits summary. Uploads are encrypted, used only to review your coverage, and automatically deleted after 90 days.

Other ways to pay for care

Private Pay

Billed directly at our published rate.

Medicaid (HCBS)

Aged & Disabled Waiver, IHS, and CDS.

VA Benefits

Community Care & Aid & Attendance.

Medicare GUIDE

Up to 75 covered respite hours.