Helping You Get the Care You Deserve,
From the Coverage You Have
We’re committed to helping you use your long-term care insurance benefits. We streamline the process, reduce the risk of delays or claim issues, and help you receive the maximum benefits your policy provides.
From evaluating your coverage to communicating directly with your insurance carrier, we handle the details, so you don’t have to. Our goal is to simplify each step and allow you to focus on what truly matters—finding the care you or your loved one deserves.
From evaluating your coverage to communicating directly with your insurance carrier, we handle the details, so you don’t have to. Our goal is to simplify each step and allow you to focus on what truly matters—finding the care you or your loved one deserves.
Our Services Include
Comprehensive Policy Review and Benefit Analysis
Assistance with Claim Initiation and Documentation
Guidance through the Elimination Period
Ongoing Coordination with Insurance Providers
Complimentary Policy Review
Navigating a long-term care insurance policy can feel overwhelming, but you don’t have to do it alone. Our Long-Term Care Insurance Specialist is dedicated full time to reviewing policies with families to help them maximize benefits at no cost to them.
During your consultation, our specialist will:
- Coordinate a call with you and your insurance company
- Communicate directly with your insurance representative on your behalf
- Clarify the benefits and services your policy includes
- Deliver a detailed summary following the discussion
This complimentary service helps you fully understand your coverage and receive the complete support provided by your policy.
We Can Bill Your Insurance Directly
We’re excited to partner with Clear Claim Technologies (CCT), a premium concierge service designed to streamline the long-term care insurance experience. Our exclusive relationship means we are CCT’s only partner for home care in the Columbus area. Through this collaboration:
- We can work directly with your insurance carrier by accepting an assignment of benefits, so you receive care without waiting for reimbursement.
- CCT serves as your advocate, managing claim issues, denials, or disputes to help you receive the benefits you’re entitled to.
- Our care team receives specialized training from CCT, enabling us to capture crucial information during your intake and reduce the chances of delays or claim complications.
This partnership allows us to deliver a smoother, more supportive insurance process for you and your family.
Providers We Are Already Working With
- Aetna
- Allianz
- Bankers Life LTC
- Berkshire
- Brighthouse Financial
- CNA Insurance
- Davie’s Life and Health
- Genesis LTC
- Genworth
- Global Atlantic
- Guarantee Trust Life
- Illumfin/CALPERS
- Jackson National Life
- John Hancock
- Lincoln Benefit
- Mass Mutual
- Met Life
- Mutual of Omaha
- New York Life
- Northwestern Mutual
- One America
- Physicians Mutual
- Prudential
- Senior Health Insurance
- State Farm
- Thrivent
- Transamerica
- UNUM LTC
Don’t see your company listed? We’ll work directly with your insurance provider to help your services start without delay.
Frequently Asked Questions
Most long-term care insurance plans include an elimination period, which is essentially a waiting period before your benefits begin. Instead of being tied to how much money you spend, it’s typically based on the number of days you receive care, often 30, 60, or 90 days.
For example:
If you have a 90-day elimination period and receive 4 hours of care per day for 10 days, those 10 days count toward the requirement. You would have 80 days remaining before your policy begins paying for services.
For example:
If you have a 90-day elimination period and receive 4 hours of care per day for 10 days, those 10 days count toward the requirement. You would have 80 days remaining before your policy begins paying for services.
Beginning care sooner can be financially beneficial. Even if you only need a few hours a day at first, those days still build toward your elimination period. By the time your care needs increase and costs rise, you may have already satisfied the waiting period, allowing your long-term care insurance to start covering the expenses when you need the most support.
Long-term care insurance helps reduce the cost of care, but it doesn’t guarantee unlimited coverage. Every policy has daily, monthly, or lifetime caps. Once those limits are reached, any additional costs become your responsibility.
Planning ahead is key. Starting care earlier or using benefits strategically can stretch your coverage and reduce the risk of exhausting your policy too soon. Home care is often more cost-effective than facility-based care, but the best approach depends on each person’s needs and goals.
Planning ahead is key. Starting care earlier or using benefits strategically can stretch your coverage and reduce the risk of exhausting your policy too soon. Home care is often more cost-effective than facility-based care, but the best approach depends on each person’s needs and goals.
No. Long-term care insurance benefits apply only to the individual who is insured under the policy. They cannot be used for a spouse, partner, or other family members. If both spouses hold their own policies, each person can use their individual coverage when needed.
Yes. Many policies allow benefits to be used across a variety of care environments simultaneously, including home care, assisted living, independent living, and memory care communities. Home care can be an excellent supplement for those who want to remain in their current living situation while receiving additional support.
Because coverage varies by plan, we’re happy to review your policy and help you understand the options available.
Because coverage varies by plan, we’re happy to review your policy and help you understand the options available.
