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Long-Term Care Insurance
From helping to file your claim to giving the highest quality home care, our goal is to support you or your loved one every step of the way.
What Is Long-Term Care Insurance?
It can be stressful to consider the financial implications of long-term care, but luckily there are measures in place to help—long-term care insurance (LTCi) is one of them. This type of home care insurance helps you pay for home care or assisted living costs, depending on your needs and situation.
Long-term care insurance covers personal care expenses, day-to-day living costs, and even professional services like in-home care through home care providers, it also covers other long-term care options like assisted living communities, skilled nursing facilities, board and care homes, and memory care communities.
However, it’s important to note that this type of home care insurance isn’t the same as health insurance—it’s designed to provide financial support for those who need help with everyday activities due to chronic illnesses or aging in good health.
How Can Care At Home Help You Qualify?
Care At Home has the experience and knowledge to help you submit your claim and utilize your long term care insurance policy. With our support, you can move forward with the peace of mind that comes from knowing you have access to quality home care. Our team can help you with the following:
- Review policy details, process claims, and submit invoices on your behalf to the LTCi provider for reimbursement.
- Bill LTCi providers directly through an “Assignment of Benefits” at the request of our clients.
- Assist policyholders in completing the necessary forms to file a claim for long-term care services, allowing you or your loved one to receive the help you deserve with minimal stress.
What Else Should You Know?
When choosing the right long-term care insurance for you or your loved one, there are a few key phrases and items you should be familiar with.
The amount of money available for care daily.
The maximum payout amount of the policy.
The time or waiting period before the policy begins reimbursing for services received.
Differences between coverage amounts when receiving home care compared to staying in a facility, such as an assisted living center or nursing home.
An inflation rider is a clause that helps adjust benefit payments according to current costs and inflation rates over time so that benefits remain consistent with the cost of care throughout the life of the policyholder (not just initially).
Depending on your long-term care insurance provider, you may be eligible for premium waivers once you begin using your policy; this means that you will no longer have to pay premiums after certain conditions are met (for example, if you need more than 30 days consecutive skilled/intermediate level custodial care).
By understanding these important items, you can make an informed decision when selecting the right home care insurance for your needs. With Care At Home, we’ll walk you through every step of the process and help you select a policy that best fits your situation.
By understanding these important items, you can make an informed decision when selecting the right home care insurance for your needs. With Care At Home, we’ll walk you through every step of the process and help you select a policy that best fits your situation.
Care At Home is There for You Every Step of the Way
Our mission is to help you or your loved one confidently access the care they need—that’s why we provide comprehensive guidance on long-term care insurance and other home care solutions. We understand how important it is that you feel secure in your personal care, and our experienced team of professionals is here to ensure a smooth transition as you move forward.
Get in touch with us today and learn more about how our services can help you get the most out of your long-term care insurance policy.
Reach Out Today
Contact us today to learn more about how we can help your loved ones get the care they need while in the comfort of their own home.
Currently serving the following areas
North Orange County
714.430.8990
South Orange County
949.750.8990
Inland Empire
951.305.8990
Contact Us
Corporate Office:
1181 California Ave, Suite 170
Corona CA, 92881
North Orange County:
714.430.8990
South Orange County:
949.750.8990
Inland Empire:
951.305.8990
info@careathomellc.com
HCO# 304700261
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For Disability Services, Consumer and Applicant Appeals Procedure Questions:
Department of Developmental Services, www.dds.ca.gov/complaints, (916) 654-1987.