Long Term Care Claim Management

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Long-Term Care Claim Management

Using Long Term Care Insurance for Senior Care Services

The history of long-care insurance (also known as nursing home insurance) dates back to the 1980s. It’s important to know that traditional health insurance and long-term care insurance are two different types of insurances.
The main objective of long-care insurance is to help older adults to pay for long-term care if such a need arises. The care can be provided either at home or in a nursing facility.
Older people may need different types of self-care tasks such as bathing, dressing, grooming, feeding, etc. Some patients need physical and rehabilitation therapy or even round-the-clock monitoring. If your loved one has long-term care insurance, then he/she will be able to get compensation for the expenses, which are associated with long-term care needs.
Generally speaking, long term care insurance gives older Americans a chance to reduce their long care expenses.

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How Luxe Homecare can help?

Older people, who need long term care, may find it difficult to handle the insurance claim process and get compensation. You need to know that the long-term care insurance claim submission process itself is complicated and can take a lot of time. That’s why some older adults may find it difficult to deal with long-term care insurance providers.
Don’t worry. Just leave this task to real professionals, who are the best in what they do. Professional help is immeasurable when older adults find themselves in such situations. At Luxe Homecare, we have many years of experience in helping older adults with long-term care insurance claims.
Our specialists would be happy to guide you through the different stages of the LTC claim management process and do every single thing possible to help you get the compensation as soon as possible.
We will help you with the submission and completion of long-term insurance claims and directly bill your insurance company. With our senior caregiving agency, you will never find it hard to use your long-term care insurance for senior care services.

Luxe Homecare is highly rated & reviewed by locals like you.

"They provide excellent, professional help to my Aunt. This helps me greatly since I do not live in the area and can't provide this support."

William C. said

"We hired Luxe for PT/OT and related care of my mom at home. Each expert has been knowledgable, kind and professional. I would recommend them highly."

Maria M.

"My mom was so very happy with the level of care provided, and it also gave me a peace of mind that there is a team of professionals here in LA to take care of my mother."

Mason S.

Frequently Asked Questions

What Does Long-Term Care Insurance Cover?

A long-term insurance policy can cover one or several types of care based on the types of coverage the policyholder thinks they’ll need. Most policies are comprehensive, allowing benefits to be used in a variety of settings, but you’ll need to make sure you know which facilities are specifically covered. If your loved one is in the wrong type of facility, the insurance provider may refuse benefit payments.

Some policies only cover certain state-licensed facilities or only cover nursing home care, but many also cover assisted living facilities, which is important since this type of care is rapidly expanding. Many policies also cover in-home care, including nursing care, physical therapy and medical equipment. Policies may cover community care, which usually means adult day care, and respite care to give you, the caregiver, a break. Some policies may even pay benefits to family members who act as caregivers or cover home modifications, such as adding wheelchair ramps or installing safety devices. Most policies cover care related to Alzheimer’s or other forms of dementia, but there are exceptions. Because this is a common condition, double check that it’s included in your loved one’s policy.

Luxe Homecare can help you checking your insurance policy and see what services it covers for free.

How Your Insurance Pays for Long-Term Care?

A long-term care insurance policy pays benefits either on a per diem basis (a fixed benefit no matter the costs for care) or an indemnity basis (a portion of the actual costs of care is reimbursed to the policyholder). Some policies only pay for the cost of a certified home care agency or licensed nursing facility directly to the provider, and others pay the policyholder directly to use as they see fit.

Luxe Homecare is accredited, certified, licensed & trusted home care agency. We can help you with your claim and get most of it.

What are the Benefits of Long-Term Care Insurance?

Prevents emotional, physical and financial stress to families: Having a long-term care policy in place helps alleviate or even prevent all types of stress on caregivers, so aging adults needn’t fear becoming a burden to their family.
Helps ensure loved ones get the care they need: If you have aging parents or other loved ones who don’t live nearby, you may worry who will provide care for them should they no longer be able to care for themselves. You may also worry about the quality of care they’ll receive and how they’ll get this assistance without spending all their life’s savings. Long-term care insurance can alleviate these concerns by providing the necessary resources to put them in control of the location, type and quality of care they receive.
Preserves financial security for spouse and other family members: The high cost of long-term health care can quickly deplete even a healthy nest egg. It could even require the liquidation of assets, such as a home. This places a financial hardship on a healthy spouse and the children. Long-term care insurance provides the means to get medical assistance without tapping into savings, which protects family members from financial distress.