Unlock In-home care services with Long Term Care Insurance

‍Long-Term Care Insurance (LTCI) is a private insurance policy that families pay into to help cover non-medical support when a loved one needs assistance with Activities of Daily Living (ADLs), such as bathing, dressing, or maintaining safety at home. Unlike Medicare or Medicaid—government policies that focus primarily on clinical and medical services—LTCI is designed to fund personalized, non-medical care that supports comfort, independence, and a happier aging experience.

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• Coverage & Eligibility Support: We help you understand how your policy can support Happier Aging® at home.
  

• Benefit Verification: We contact your insurer to confirm your specific coverage details.
  

• Eligibility Guidance: We clearly explain common qualification criteria, such as needing help with daily activities.
  

• Clinical Documentation: We prepare the records and notes your insurer requires.
  

• Ongoing Advocacy: We handle routine check-ins and follow-ups to keep things on track.
  

• Simplified Billing: When allowed, we arrange direct billing (Assignment of Benefits) to reduce out-of-pocket costs.
  

• Licensed & Insured Care: Care is delivered by background-checked caregivers and nurses, aligned with insurer expectations.

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