Long Term Care Insurance

Understanding Long-Term Care Insurance

Are you or loved one worried about paying for the costs of senior care. Unfortunately, health insurance, Medicare, or Medicaid will not usually cover the high costs of senior care. Purchasing a long-term care insurance policy is one of the best investments you can make to help prepare for the costs of long term care.

Long term care insurance can be used for homecare, assisted living, skilled nursing, and memory care communities. Policies vary greatly to the benefit amount, benefit period, and the elimination period. Understanding the benefits from your Long-Term Policy can be challenging and frustrating to understand, which is why so many seniors rely on help from an Acti-kare professional to sort out the details and assist with making the claim. We have established relationships with multiple LTC insurance carriers and understand the ins and outs of processing long-term care insurance claims enabling you to access your benefits faster.

Getting Access to your Benefits

The specialists at Acti-Kare responsive senior care will guide you through the process of filing a claim with your insurance carrier. Call Acti-Kare today to schedule a free Long Term Care assessment with one our experts.

Our assessment includes:

• Scheduling a conference call with you and your carrier to fully understand the requirements of your policy, including any elimination periods, maximum daily dollar amount, lifetime benefits, and coverage limits.
• Assist clients with all the necessary forms to file a claim correctly to start receiving the benefits as soon as possible.
• Working out the billing process. Some carriers will let us bill them directly and others reimburse the policy holder.