Long-Term Care Insurance and In-Home Care

If you or a loved one needs help with in-home senior care, your Long-Term Care Insurance (LTCi) can be a powerful resource.

These policies are designed to cover the cost of help with Activities of Daily Living (ADLs) like bathing, dressing, mobility, eating, and more — allowing you to stay comfortable and independent in your own home.

Why Many Families Don’t Use Their LTC Benefits

Despite paying premiums for years, many families avoid filing claims because:

They fear using up the benefits too quickly — not realizing that only about 2% of policyholders ever fully exhaust their coverage.
The claims process feels confusing and overwhelming due to complex policy language and requirements.
They’re unsure when or how their benefits can be activated, especially regarding elimination periods and daily or lifetime maximums.
Unfortunately, some LTCi companies do not make it easy to obtain the benefits to which a person is entitled. A trusted advisor is needed to guide them through the process.

Sadly, thousands of policies remain untouched, leaving families struggling financially when help is literally a phone call away.

The Value of Using Your LTCi for In-Home Care

Using your long-term care insurance for in-home care does more than relieve financial stress. It provides:

Greater independence – Stay in the comfort and familiarity of your home.
Peace of mind – Know that trained caregivers are there to support your safety and health.
Reduced family burden – Loved ones can focus on quality time rather than being full-time caregivers.
Flexibility in care – Customize your care plan to your personal needs, whether you need just a few hours a day or 24-hour support.

Learn More About Long-Term Care Insurance

How Help at Home Senior Care Supports You

At Help at Home Senior Care, we know that understanding your policy and filing a claim can feel daunting. That’s why we’ve developed a streamlined process to help you:

Understand exactly what your policy covers.
Determine when you’re eligible to start receiving benefits.
Coordinate with your insurance carrier to start care quickly and smoothly.
Avoid delays or denials caused by missing documentation or misunderstandings.

With our support, you can focus on getting the care you need while we handle the complicated parts of your claim.

Take the First Step

If you’ve been paying into your policy for years, now is the time to take advantage of it. Whether you need help after a hospitalization or find the time has come to receive support for daily living, your LTCi can make high-quality, in-home care affordable and accessible.

Call us today at (530) 885-7444 or at (707) 545-2422 to speak with a care specialist and learn how to get the most from your long-term care insurance benefits.

Auburn: (530) 885-7444 Santa Rosa: (707) 545-2422