Using Your LTC Policy for In-Home Care
If your loved one has a long-term care insurance policy, it may cover some or all of the cost of non-medical home care. Beyond Care works with families to understand their policy benefits and navigate the claims process.
How Long-Term Care Insurance Works
Long-term care insurance (LTCI) policies typically pay a daily or monthly benefit to cover the cost of home care, assisted living, or nursing home care. Benefit eligibility is generally triggered by an inability to perform two or more Activities of Daily Living (ADLs) or by cognitive impairment. Each policy has specific coverage terms, elimination periods, and benefit amounts.
What Most Policies Cover
Most LTCI policies cover non-medical home care services including personal care, companion care, and homemaker services — exactly the type of care Beyond Care provides. The specific services and amounts covered vary by policy. We recommend reviewing your policy documents or contacting your insurance company to confirm your benefits.
How We Help
Beyond Care works with families who have long-term care insurance regularly. We can provide the documentation your insurance company requires, work with care coordinators, and help ensure that claims are submitted accurately and promptly. We have experience navigating the LTC insurance claims process and are happy to guide you through it.
Getting Started
Contact us with your insurance company's name and your policy number. We will help verify benefits, confirm what services are covered, and get care started as quickly as possible.