Long-term care insurance typically covers services not covered by regular health insurance, Medicare, or Medicaid. These services include assistance with activities of daily living (ADLs) such as bathing, dressing, and eating, whether received at home, in an assisted living facility, or a nursing home. The policy starts paying benefits once you meet the policy's eligibility requirements, which usually involve demonstrating a need for assistance with a certain number of ADLs or cognitive impairment. The waiting period (elimination period) specified in your policy must also be satisfied before benefits begin.

How do I file a claim for my Long-Term Care insurance, and what should I expect during the process?

Filing a Long-Term Care insurance claim can feel complicated, but I make it straightforward for you. I start by reviewing your policy terms and provisions in plain language so you know exactly what’s covered. Then I guide you step by step through the paperwork, making sure all required forms and documentation are complete and accurate.

I also assist with coordinating benefits if you have multiple policies or coverage sources, and I stay in contact—whether by phone, email, or in person—based on your preference. Throughout the process, I provide regular updates, so you always know the status of your claim. My goal is to reduce stress, prevent delays, and ensure you receive the benefits you’re entitled to.

How do I know if it’s time to use my Long-Term Care benefits?

Benefits usually begin when a licensed healthcare provider certifies that you need help with a certain number of daily living activities (like mobility, toileting, or feeding) or if you require supervision due to cognitive impairment. I help you interpret your policy’s “eligibility triggers” and guide you through the documentation needed to start receiving benefits.

What’s the difference between private Long-Term Care Insurance and Medicare or Medicaid?

Private Long-Term Care Insurance is designed to help cover the cost of care services—such as home care, assisted living, or nursing home stays—before you qualify for government assistance. These policies offer flexibility and can help preserve your savings by paying for care based on your chosen coverage.

Medicare, on the other hand, only covers short-term skilled nursing or rehabilitation after a hospital stay—it does not pay for long-term custodial care. Medicaid may cover long-term care, but only after you meet strict income and asset limits. I help clients understand how their private insurance works alongside these programs, so they can plan wisely and avoid unexpected gaps in coverage.

How long does a private Long-Term Care Insurance policy last?