Understanding Long-Term Care Insurance in Home Care

Long-term care insurance (LTCI) is a type of insurance that helps cover the costs of care services for individuals who have a chronic illness, disability, or cognitive impairment and need assistance with activities of daily living (ADLs) like bathing, dressing, or eating. In a home care setting, LTCI can be a vital resource to help clients afford care services without depleting personal savings.

What it Covers

In home care, LTC insurance typically covers:

• Personal care (bathing, grooming, dressing)
• Homemaker services (cooking, cleaning, laundry)
• Skilled nursing or therapy (when medically necessary)
• Companion care or supervision (for safety)
• Respite care (temporary relief for family caregivers)

Coverage varies by policy, so it’s important to review each client’s plan.

Eligibility Requirements

To activate LTCI benefits, most insurers require:

• Inability to perform 2 or more ADLs (e.g., dressing, toileting)
• Or a cognitive impairment (like Alzheimer’s or dementia)
• Certification by a licensed healthcare professional
• Use of a licensed or certified home care agency

Long Term Care Insurance

Trust Home Care is committed to helping individuals and families make the most of their long-term care insurance. Here’s how we support you every step of the way:

Clear Guidance on Policy Coverage

We help you understand the coverage details of your long-term care insurance policy. Our team also manages all paperwork and submits claims on your behalf, making the process easier and less stressful.

Personalized Caregiver Matching

We carefully match seniors with caregivers who meet their medical needs, daily routines, and personal preferences. This ensures a consistent and comfortable care experience.

Comprehensive In-Home Care

The caregivers we refer offer a wide range of services, including assistance with daily activities, medication reminders, companionship, and specialized care for Alzheimer’s and dementia. These services are designed to align with your insurance benefits.

Support with Financial Peace of Mind

By using your long-term care insurance in combination with our caregiver matching services, you can receive dependable home care while maintaining financial peace of mind.

Accepted Insurance Options

We work with private pay, veterans’ benefits, and Medicaid.

Medicaid pays Trust Home Care up to 100% for in-home aide services and for medical home health. Contact us to learn more about qualifications. Trust Home Care works with many insurance types. We work with most long term care insurance plans and Medicaid Care Plans. Here is a list of some of the plans we work with: