Leave it up to us to submit claims to the long-term insurance carriers so you don’t have to worry about processing insurance claims from home.
Leave it up to us to submit claims to the long-term insurance carriers so you don’t have to worry about processing insurance claims from home.
We can manage the tedious and potentially complicated task of submitting claims to the long-term insurance carriers. Our team appreciates the challenges involved with the claims approval process, and they have experience working directly with the national LTC insurance providers such as Genworth Financial, Bankers Life & Casualty, MetLife, CNA, John Hancock, New York Life, Mutual of Omaha, Thrivent, Prudential, Transamerica, UNUM, and more.
Long-term care insurance policies are designed to reimburse their policyholders a daily benefit amount for care services. Although long-term care benefits help keep the financial burden off of clients or families, it can be a tedious and complicated process. We help with the process so our clients can focus on their well being and recovery.
Private pay home care is non-medical home care that’s paid for using personal savings. You may also see it referred to as “paying out-of-pocket” or “private duty care.” Depending on how your loved one has planned or saved, they may be able to use multiple funding sources to help pay for home care.
Yes. We work with all major long-term care insurance carriers and have direct experience with Genworth Financial, Bankers Life and Casualty, MetLife, CNA, John Hancock, New York Life, Mutual of Omaha, Thrivent, Prudential, Transamerica, and UNUM. We handle the claims process for you, from the initial benefit verification to ongoing submission of care notes and invoices.
The process depends on the individual long-term care insurance policy. We can provide invoices and required care documentation directly to the insurance carrier while reimbursement is made to the policyholder. When the policy permits assignment of benefits and the client completes the carrier’s required paperwork, payment may also be made directly to us. Either way, you do not have to manage the paperwork.
Many policies cover both skilled nursing care and non-medical personal care delivered at home, subject to the policy’s daily benefit amount and elimination period. We review your policy before care starts and tell you what is covered.
An elimination period is the number of days of paid care you must receive before the policy begins paying benefits, commonly 30, 60, or 90 days. During that period you pay privately. We document the care provided and can supply care notes, logs, invoices and other documentation required by the insurance carrier to support the policy’s elimination period and ongoing claims.
Last reviewed: September 2026
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