Long-Term Care Insurance Companies That Cover Home Care
Long-Term Care Insurance Companies That Cover Home Care
Choosing the right long-term care insurance (LTCI) policy can make a huge difference in whether your loved one can age safely at home. Many long-term care insurance plans will pay for in-home care services, but coverage varies by company, policy type, and benefit structure.
This guide highlights trusted insurance companies that offer policies designed to help pay for home care, explains what types of home care are covered, and provides links to start getting quotes or learn more.
What “home care” means in LTC insurance
Long-term care insurance policies cover help with non-medical support services, such as:
Assistance with activities of daily living (ADLs), like bathing, dressing, eating, toileting, and transfers
Companion care and supervision
Homemaker services (meal prep, laundry, light housekeeping)
Some level of overnight care (depending on policy language)
In many policies, home health care, which may include skilled nurses, therapy, and medical support (when medically necessary)
Coverage depends on the policy and provider, so it’s important to verify before purchase.
Top Long-Term Care Insurance Companies That Cover Home Care
1. Mutual of Omaha
A highly regarded provider of traditional long-term care insurance that routinely covers in-home care services when benefit triggers are met.
What it covers:
✔ Personal care at home
✔ Homemaker services
✔ Companion care
✔ Memory care support in the home
✔ Reimbursement or indemnity benefit options
Why families consider it:
Strong financial stability
Flexible benefit options
Policies designed for home care
Offers inflation protection
🔗 Start a quote / learn more:
https://www.mutualofomaha.com/advice/health-and-well-being/health-and-aging/long-term-care-insurance
2. New York Life
Another strong traditional LTCI company that supports home care benefits.
What it covers:
✔ Home care personal assistance
✔ Homemaker and companion services
✔ Licensed home health care (if the policy includes this rider)
✔ Home safety and modification benefits (with some riders)
Why families consider it:
Excellent financial ratings
Option to add riders for added home care flexibility
Legacy insurer with deep experience
🔗 Learn more / request quote:
https://www.newyorklife.com/products/insurance/long-term-care-insurance
3. Nationwide (CareMatters® & Flex Life Solutions)
Offers long-term care products that include benefits for home care.
What it covers:
✔ In-home assistance for ADLs
✔ Homemaker and chore assistance
✔ Memory care support in the home
✔ Hybrid LTC products with home care benefits
Why families consider it:
Hybrid options that combine life and LTC benefits
Choice of reimbursement or indemnity benefit structure
Strong brand and agent support network
🔗 Explore LTC options and quotes:
https://nationwidefinancial.com/carematters-quick-quote
4. Lincoln Financial (MoneyGuard)
Known for hybrid long-term care policies that pay for home care and return unused benefits as a death benefit.
What it covers:
✔ Personal care at home
✔ Homemaker support
✔ Companion care
✔ Skilled home health care (when medically necessary)
Why families consider it:
Strong focus on in-home benefits
Hybrid structure gives both LTC coverage and legacy value
Simple benefit triggers
🔗 Request a MoneyGuard quote:
https://www.lincolnfinancial.com/individual/products/life-insurance/moneyguard/
5. Securian Financial
Offers hybrid LTC policies with strong home care benefits and rider flexibility.
What it covers:
✔ Home care personal assistance
✔ Homemaker support
✔ Companion care
✔ Return-of-premium or shared benefit riders
Why families consider it:
Flexible benefit structures
Hybrid option adds value
Good for families wanting home care and legacy protection
🔗 Learn about LTCI hybrid options:
https://www.securian.com/individual-insurance/long-term-care-insurance.html
6. Thrivent Financial
A not-for-profit insurer with standalone policies that include home care benefits.
What it covers:
✔ Home care personal assistance
✔ Homemaker and supportive services
✔ Shared care options
✔ Inflation protection riders
Why families consider it:
Strong financial ratings
Policy customization options
Values-aligned brand for many families
🔗 Explore Thrivent LTC plans:
https://www.thrivent.com/insurance/long-term-care-insurance
7. National Guardian Life (NGL)
Offers traditional long-term care insurance with home care coverage and return-of-premium features.
What it covers:
✔ Home care personal assistance
✔ Homemaker services
✔ Companion care
✔ Optional inflation protection
✔ Optional return-of-premium benefits
Why families consider it:
Customizable standalone LTC policies
Strong financial backing
Designed with home care as a key benefit
🔗 Learn about NGL LTC products:
https://www.nglic.com/insurance/long-term-care-insurance
Hybrid Policies vs. Standalone LTC Insurance
Standalone LTC policies focus purely on long-term care needs such as home care, assisted living, and facility care.
Hybrid policies (often offered by companies like Lincoln Financial, Nationwide, and Securian) combine:
Long-term care benefits
Life insurance or annuity benefits
This means some unused benefit portion may be paid out as a death benefit, adding legacy value.
Choosing between standalone and hybrid depends on your goals:
Want maximum home care coverage? Standalone may be best
Want care + inheritance value? Consider hybrid
What Home Care Services Are Typically Covered
Even if a policy supports home care, you’ll want to confirm it includes:
✔ Personal care (ADLs) at home
✔ Homemaker services (meal prep, cleaning)
✔ Companion supervision
✔ Short-term care after hospital stays
✔ Memory care assistance at home
✔ Some policies may include home safety modifications
Always check the policy’s benefit trigger (need for ADL help or cognitive impairment) and daily benefit limit.
Tips for Comparing Long-Term Care Insurance for Home Care
Check financial ratings (AM Best, S&P) — ensure the company can pay long-term claims.
Compare elimination periods — shorter periods start benefits sooner.
Verify inflation protection — this increases benefits over time.
Ask about benefit triggers — easier triggers may mean claims are approved sooner.
Determine whether home care is explicitly covered (not just facility care).
Review hybrid vs standalone options — consider tax implications and legacy goals.
Helpful Quote & Info Resources
Below are trusted tools where people can start getting actual quotes or explore policies:
🔗 Policygenius – Compare LTCI quotes from multiple carriers
https://www.policygenius.com/long-term-care-insurance/
🔗 Mutual of Omaha LTCI info & quote lead
https://www.mutualofomaha.com/long-term-care-insurance
🔗 New York Life LTCI products & agent contact
https://www.newyorklife.com/products/insurance/long-term-care-insurance
🔗 Nationwide LTCI – CareMatters quick quote
https://nationwidefinancial.com/carematters-quick-quote
🔗 Lincoln Financial MoneyGuard quote info
https://www.lincolnfinancial.com/individual/products/life-insurance/moneyguard/
🔗 Genworth LTCI claim info (existing policy)
https://www.genworth.com/claims/long-term-care-claims/file-a-claim
📞 For personalized quotes and comparisons, you can also speak with a licensed long-term care insurance agent — they can run options from multiple carriers based on age, health, and budget.
Final Thoughts
When planning for home care, picking a long-term care insurance company that actively supports home care benefits is key. Companies like Mutual of Omaha, New York Life, Nationwide, Lincoln Financial (MoneyGuard), Securian Financial, Thrivent, and NGL are frequently recommended for their coverage options and financial strength.
