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Who needs care?
What can we help with?
Pick any that fit. If you don't see what you need, you can tell us when we call.
How soon is care needed?
Whether it's a sudden need or you're planning ahead, we're happy to talk it through.
Where is care needed?
Enter the ZIP code or town where the care would be.
Almost done!
Fill in your details and a care coordinator from our Springfield office will call you.
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A care coordinator from our Springfield office will call you, usually the same business day. If you reached us after hours or on a weekend, we'll call the next business day.
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2 ADLs
Most policies pay once help is needed with 2 or more activities of daily living, or with a cognitive impairment
Direct billing
Depending on your policy and insurer, we may be able to 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:
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 when you call 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:
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."
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
Talk with us about your policy
Call us with your policy or benefits letter handy. We'll go over what it covers and how billing would work.
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.
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.
File the claim
We help you complete and submit the claim forms and the caregiver logs and invoices the carrier asks for.
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:
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?
How do I know if my policy covers home care?
What is an elimination period, and do I have to pay during it?
Will you bill my insurance company directly?
What if my loved one has dementia?
What if a claim is denied?
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.
Other ways to pay for care
