Including:

• Genworth

• Mutual of Omaha

• New York Life

• John Hancock

• Bankers Life

• MassMutual

• Northwestern Mutual

• Transamerica

• UNUM
  
  …and many more.

1. Claim Activation Support

We help your family:

• File the initial LTCI claim

• Submit required forms

• Provide proof of ADL limitations

• Coordinate with your physician for care plan documentation

2. Documentation & Billing

We prepare everything your carrier needs:

• Itemized invoices

• Care notes

• Timesheets

• Plan of Care (RN assessment)

• Visit logs

• Proof of payment (if needed)

3. Assignment of Benefits (AOB)

For carriers that allow it (e.g., Genworth, NY Life, Thrivent), we can bill the carrier directly so you don’t pay out of pocket.

4. Benefit Planning

We structure a care plan around your policy’s:

• Daily/Monthly benefit

• Elimination period

• Policy limits

• Required ADLs

• Cognitive impairment provisions

• We handle the paperwork so you don’t have to

• Faster claim approvals

• Reduced chances of denials

• Transparent communication with your carrier

• More hours of care approved

• Weekly or monthly billing based on your preference

• RN-written care plans compliant with LTCI requirements