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You Have Long-Term Care Insurance. Let Us Handle the Rest.

Last Reviewed by Austin Adair · April 2026

You've been paying premiums on a long-term care insurance policy for years — maybe decades. Now it's time to use it. But the fine print is confusing, the claims process is intimidating, and you're not sure where to start. That's exactly where we come in.

Before and after illustration showing family stress with insurance paperwork transforming to relief with professional long-term care insurance management

Maybe a Beaumont discharge planner just handed your family a folder full of paperwork. Maybe a social worker at Henry Ford mentioned that your parent's long-term care insurance policy might cover home care, but couldn't tell you how to file a claim. Maybe you've been staring at a policy document full of terms like "elimination period," "benefit trigger," and "daily benefit amount" — and none of it makes sense.

You're not alone. Most families who have long-term care insurance have never actually used it before. The policy was purchased years ago — sometimes by a parent, sometimes by a spouse. Sometimes as part of a financial plan that's now gathering dust in a filing cabinet. Now that the time has come, the process feels overwhelming.

Here's what makes us different from other home care agencies in Southeast Michigan: we don't just accept long-term care insurance — we manage the entire process for you. We've been doing this since the 1990s, when long-term care insurance policies first became popular. We know exactly what documentation the carriers need, how to communicate with claims adjusters. And how to structure care plans so that your claims are approved — not denied.

Most families we work with pay little to nothing out of pocket once their elimination period is met. That's not a sales pitch — it's the result of decades of experience managing long-term care insurance claims with carriers like Genworth, Mutual of Omaha, John Hancock, and dozens of others.

Senior couple and adult daughter looking relieved as caregiver in teal polo explains long-term care insurance benefits in a cozy Michigan living room

What We Handle for You

  • Review your long-term care insurance policy and explain your benefits in plain language
  • Create a detailed care plan designed to meet your insurer's documentation requirements
  • Submit all claims and billing documentation directly to your carrier
  • Communicate with claims adjusters on your behalf — no more phone tag
  • Track your benefit usage so you always know where you stand
  • Handle denied claims by correcting documentation and resubmitting

FAQ

Long-Term Care Insurance — Common Questions

Everything Southeast Michigan families ask before activating their policy

Most modern long-term care insurance policies cover non-medical home care services like personal care (bathing, dressing, mobility), companion care, meal preparation, and medication reminders. Coverage usually starts after an "elimination period" (often 30–90 days) and pays a daily or monthly benefit up to your policy limit. Contact us to review your specific policy.
You typically need a physician's assessment confirming the need for assistance with at least 2 of 6 activities of daily living (bathing, dressing, eating, transferring, toileting, continence) or cognitive impairment. We handle the paperwork end-to-end: care plan documentation, daily care logs, claim forms, and direct submission to your carrier. Most families never have to call the insurance company themselves.
The elimination period is the waiting time before benefits start — usually 30, 60, or 90 days depending on your policy. During that period you pay privately for care, but the days do count toward satisfying the requirement. After the elimination period is met, the insurance carrier reimburses you (or pays us directly, depending on policy structure) up to your daily benefit amount.
It depends on the policy. Many newer policies allow direct assignment of benefits to the home care agency, meaning your carrier pays us and you only owe the difference (if any). Older "indemnity" policies reimburse you a flat daily amount that you then use to pay for care. We work with both models and explain exactly how billing will flow before care begins.
We have decades of experience submitting claims to all major LTC carriers including Genworth, John Hancock, Mutual of Omaha, Northwestern Mutual, MassMutual, Transamerica, MetLife (legacy policies), New York Life, Lincoln Financial, and many state-partnership programs. If you have a policy from any U.S. carrier, we can almost certainly work with it.
Denied claims are often the result of incomplete documentation rather than a real coverage issue. We routinely take over previously denied cases — we review the policy, identify what the carrier needs, restructure the care plan and supporting paperwork, and resubmit. Call us for a free policy and denial review.

Common Situations Where Long-Term Care Insurance Helps

Many families discover their long-term care insurance benefits during these moments.

Let Us Review Your Policy — Free, No Obligation

Call us and describe your situation. We'll review your long-term care insurance policy and tell you exactly what's covered — before you commit to anything.