What long-term care insurance is designed to coverLong-term care insurance (LTCI) is a type of policy designed to help pay for assistance with daily activities when someone needs ongoing support.
These policies often cover non-medical care, such as help at home, depending on the policy’s terms and benefit structure. Coverage is typically based on functional need, not a medical diagnosis.
Many families have a policy but are unsure when benefits can be used, what services qualify, or how to start the process.
Long-term care insurance is often used to help pay for:• Care at home from a trained caregiver• Assistance with daily activities like bathing, dressing, meals, or mobility• Ongoing support when family members cannot be there consistently
Benefits may be paid directly to the policyholder or reimbursed after services are provided, depending on the policy.
Every policy is different, and understanding the details early can prevent delays or missed benefits later.
When it’s worth reviewing your long-term care insurance• A policy was purchased years ago and hasn’t been reviewed recently• Care needs are starting to increase• A claim has not yet been opened, or was started but not completed• There is uncertainty about what the policy actually covers
Even if care hasn’t started yet, it can be helpful to understand what the policy allows before decisions are made.
Long-term care insurance does not automatically activate on its own.Most policies require a benefits review, documentation of care needs, and specific steps before services can be covered
Understanding these requirements early can save time, stress, and unnecessary out-of-pocket costs.
If this sounds like it may apply, we can talk through your situation.
Provided by Amada Senior Care
Licensed Home Care Organization | California
HCO #194701147Serving Hacienda Heights and surrounding communities.
A short conversation can help clarify whether an existing long-term care insurance policy may help with care at home.
You don’t need to make any decisions about care or coverage today.
Sharing a few details helps us understand the policy and your situation. There is no obligation to start care.
Provided by Amada Senior Care
Licensed Home Care Organization | California
HCO #194701147Serving Hacienda Heights and surrounding communities.
Someone from our local team will be in touch shortly.
We’ll review what you shared, reach out to talk through how an existing long-term care insurance policy may be used, and help clarify whether care at home could be a fit.
There’s no obligation to move forward with care or to start a claim.
You can expect a call from a local number, typically within one business day.
Provided by Amada Senior Care
Licensed Home Care Organization | California
HCO #194701147Serving Hacienda Heights and surrounding communities.