If you've been paying LTC insurance premiums for years, this is the moment they pay off. We do the heavy lifting on activation, claims, and billing.
Coverage details vary by policy. We'll review yours and confirm exactly what's available.
Hands-on assistance with activities of daily living. Almost all LTC policies cover PCS.
Supervision-only support, conversation, and engagement. Most LTC policies cover companion care; some specify medical necessity.
Short-term relief for family caregivers. Coverage varies but is common in most modern LTC policies.
Bring your LTC policy to a free consultation. We'll read it cover-to-cover and explain what's covered, the elimination period, and the daily benefit.
We work with you and the carrier to satisfy the activation requirements (typically an assessment, plan of care, and elimination period).
Once active, we bill your LTC carrier directly. You focus on care, not paperwork.
Most LTC policies require you to pay out-of-pocket for a certain number of days before benefits kick in (often 30, 60, or 90 days). We help you plan around it.
No. Most modern LTC policies activate based on inability to perform 2 or more activities of daily living (ADLs), or cognitive impairment — not hospitalization.
Older policies often have generous benefits. Bring it in — we've worked with policies from many insurers and decades.
Common. We help you blend LTC benefits with Private Pay, Medicaid, or VA so the total cost is manageable.
Bring it to a free consultation. We'll tell you exactly what you have.
Schedule a consultation