{"id":8199,"date":"2025-09-02T15:17:12","date_gmt":"2025-09-02T15:17:12","guid":{"rendered":"https:\/\/assistinghands.com\/2\/?p=8199"},"modified":"2025-09-03T12:23:51","modified_gmt":"2025-09-03T12:23:51","slug":"long-term-care-insurance-in-home-care","status":"publish","type":"post","link":"https:\/\/assistinghands.com\/2\/illinois\/arlingtonheights\/blog\/long-term-care-insurance-in-home-care\/","title":{"rendered":"Does Long-Term Care Insurance Cover In-Home Care?"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols offset_small\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>One of the most common questions we get at Assisting Hands Home Care is: \u201c<strong>How do we pay for in-home care services<\/strong>?\u201d Or, we often hear families say, \u201cMy parents paid into this long-term care policy for years, but I\u2019m not sure if your services are covered.\u201d<\/p>\n<p><strong>The good news is that many of our clients successfully use their Long-Term Care Insurance (LTCI) policies to pay for in-home care<\/strong>. Not to worry, we\u2019re happy to walk you through the process and help you understand what your policy covers.<\/p>\n<h2>What is Long-Term Care Insurance?<\/h2>\n<p>Long-Term Care Insurance (LTCI) helps cover the costs of care services that are not covered by Medicare or traditional health insurance. Each policy is unique, so it\u2019s important to review your specific coverage. You may be eligible for more benefits than you realize, and we can guide you with helpful questions to ask your insurance provider.<\/p>\n<p>Most policies include provisions for both community care and home care benefits. Older policies may be more restrictive and lean toward community-based care, while newer ones are often more flexible. Since more people now prefer to age in place at home, in-home care has become a standard option with LTC policies.<\/p>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-8203 size-full\" title=\"LTCI vs. Medicare Health Insurance\" src=\"https:\/\/assistinghands.com\/2\/wp-content\/uploads\/sites\/11\/2025\/09\/LTCI-vs.-Medicare-Health-Insurance.jpg\" alt=\"LTCI vs. Medicare Health Insurance\" width=\"800\" height=\"450\" srcset=\"https:\/\/assistinghands.com\/2\/wp-content\/uploads\/sites\/11\/2025\/09\/LTCI-vs.-Medicare-Health-Insurance.jpg 800w, https:\/\/assistinghands.com\/2\/wp-content\/uploads\/sites\/11\/2025\/09\/LTCI-vs.-Medicare-Health-Insurance-300x169.jpg 300w, https:\/\/assistinghands.com\/2\/wp-content\/uploads\/sites\/11\/2025\/09\/LTCI-vs.-Medicare-Health-Insurance-768x432.jpg 768w, https:\/\/assistinghands.com\/2\/wp-content\/uploads\/sites\/11\/2025\/09\/LTCI-vs.-Medicare-Health-Insurance-600x338.jpg 600w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/h2>\n<h2>Understanding Long-Term Care and ADLs<\/h2>\n<p>The main purpose of LTCI is to help cover assistance with Activities of Daily Living (ADLs). These are often the criteria used to determine if someone qualifies for benefits. The primary ADLs include:<\/p>\n<ul>\n<li>Eating<\/li>\n<li>Dressing<\/li>\n<li>Bathing<\/li>\n<li>Transferring<\/li>\n<li>Toileting<\/li>\n<li>Continence care<\/li>\n<\/ul>\n<p>If a policyholder struggles with at least two ADLs or shows signs of cognitive impairment, they may qualify to use their benefits.<\/p>\n<h2>Does Long-Term Care Insurance Cover In-Home Care?<\/h2>\n<p>The general answer is yes, most long-term care policies do cover in-home care. However, every insurance company and policy has its own requirements, limitations, and benefit triggers. Many policies also require that you use a licensed home care agency.<\/p>\n<p>At Assisting Hands Home Care, we are a licensed agency and already have our credentials on file with most major LTC providers, making the setup process smoother.<\/p>\n<h2>Common Long-Term Care Policy Terms<\/h2>\n<p>When reviewing your policy, here are some key terms you should understand:<\/p>\n<ul>\n<li><strong>Elimination Period<\/strong> \u2013 This is the waiting period before benefits start, often 90 days. Some policies count 90 actual service days, while others count 90 calendar days. We can work with you flexibly during this period.<\/li>\n<li><strong>Daily or Monthly Benefit Amount<\/strong> \u2013 This is the maximum payout per day or per month.<\/li>\n<li><strong>Benefit Triggers<\/strong> \u2013 These are the conditions that must be met to activate benefits, usually needing help with two or three ADLs or showing cognitive decline.<\/li>\n<li><strong>Policy Maximum<\/strong> \u2013 This is the lifetime or total pool of money available under the policy.<\/li>\n<li><strong>Approved Providers<\/strong> \u2013 Most policies require you to use a licensed care agency.<\/li>\n<\/ul>\n<h2>How to File a Claim for In-Home Care<\/h2>\n<p>Filing a claim with your long-term care insurance company may seem overwhelming at first, but breaking it into clear steps can make the process much easier. Here\u2019s what to expect:<\/p>\n<ol>\n<li>Review Your Policy. Ask questions about the elimination period, benefit amounts, lifetime maximums, benefit triggers, and inflation riders.<\/li>\n<li>Notify Your LTC Company. Let them know you would like to open a claim. They may require an in-home evaluation.<\/li>\n<li>Gather Documentation. This may include a physician\u2019s statement, a plan of care, and proof of need.<\/li>\n<li>Choose a Licensed Agency. Select an agency approved by your policy. If you choose Assisting Hands, let us know so we can expect communication from your LTC provider.<\/li>\n<li>Begin Care. Our caregivers provide in-home services and document daily activities. We send these notes and invoices to your LTC company on your behalf.<\/li>\n<li>Payment Process. You pay Assisting Hands directly for weekly care, and your LTC company then reimburses you shortly afterward.<\/li>\n<\/ol>\n<p>By understanding your policy terms and following the right steps, you can make the process of filing an LTC claim smooth and stress-free.<\/p>\n<p>At Assisting Hands Home Care, we work with families every day to navigate long-term care insurance and ensure benefits are applied properly. If you have questions, we\u2019re here to help.<\/p>\n<h2>Major Standalone LTCI Companies<\/h2>\n<p>According to the <a href=\"https:\/\/www.aaltci.org\/\" target=\"_blank\" rel=\"noopener\">American Association for Long-Term Care Insurance (AALTCI)<\/a>, a small number of insurers hold most of the active policies. Assisting Hands has experience working with nearly all of them:<\/p>\n<table>\n<thead>\n<tr>\n<th>Company<\/th>\n<th>Policies in Force (Approx.)<\/th>\n<th>Market Share<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Genworth<\/td>\n<td>1.17 million<\/td>\n<td>22%<\/td>\n<\/tr>\n<tr>\n<td>John Hancock<\/td>\n<td>893,000<\/td>\n<td>16.9%<\/td>\n<\/tr>\n<tr>\n<td>MetLife<\/td>\n<td>449,000<\/td>\n<td>8.5%<\/td>\n<\/tr>\n<tr>\n<td>Continental Casualty (CNA)<\/td>\n<td>413,000<\/td>\n<td>7.8%<\/td>\n<\/tr>\n<tr>\n<td>Northwestern Mutual<\/td>\n<td>260,000<\/td>\n<td>4.9%<\/td>\n<\/tr>\n<tr>\n<td>Transamerica<\/td>\n<td>251,000<\/td>\n<td>4.8%<\/td>\n<\/tr>\n<tr>\n<td>Prudential<\/td>\n<td>212,000<\/td>\n<td>4.0%<\/td>\n<\/tr>\n<tr>\n<td>Mutual of Omaha<\/td>\n<td>200,000<\/td>\n<td>3.8%<\/td>\n<\/tr>\n<tr>\n<td>New York Life<\/td>\n<td>150,000<\/td>\n<td>2.8%<\/td>\n<\/tr>\n<tr>\n<td>Bankers Life<\/td>\n<td>132,000<\/td>\n<td>2.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Get Trusted Home Care in Arlington Heights and Nearby Areas<\/h2>\n<p>If you or your loved one is considering in-home care, <a href=\"https:\/\/assistinghands.com\/2\/illinois\/arlingtonheights\/\">Assisting Hands Home Care Arlington Heights<\/a> is here to help. Our caregivers provide personalized support for seniors and adults, whether you need short-term assistance after an illness or ongoing long-term care. We proudly serve Arlington Heights and nearby communities such as Mount Prospect, Wheeling, Glenview, Prospect Heights and more.<\/p>\n<p><em><strong>Call us today at <a href=\"tel:(847) 499-1307\">(847) 499-1307<\/a> to learn more about our <a href=\"https:\/\/assistinghands.com\/2\/illinois\/arlingtonheights\/services\/\">compassionate home care services<\/a>.<\/strong><\/em><\/p>\n<hr \/>\n<h2>Frequently Asked Questions<\/h2>\n<\/p><\/div> <\/div> <div class=\"w-tabs layout_default accordion type_togglable title_left icon_chevron iconpos_right \"><div class=\"w-tabs-list items_7\"><div class=\"w-tabs-list-h\"><div class=\"w-tabs-item\"><a href=\"#1756902104800-218a151f-33b3\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">What are the three types of Long-Term Care Insurance?<\/span><\/a><\/div>\n<div class=\"w-tabs-item\"><a href=\"#1756902104809-9ae8a4b8-56de\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">Can LTCI benefits be used for cognitive or memory care at home?<\/span><\/a><\/div>\n<div class=\"w-tabs-item\"><a href=\"#1756902150781-51f3480f-60c4\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">Do older LTCI policies cover in-home care?<\/span><\/a><\/div>\n<div class=\"w-tabs-item\"><a href=\"#1756902162301-d43c8854-ec84\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">How can I maximize my LTCI benefits for in-home care?<\/span><\/a><\/div>\n<div class=\"w-tabs-item\"><a href=\"#1756902174063-0e0a35ce-f451\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">Can LTCI cover respite care for family caregivers?<\/span><\/a><\/div>\n<div class=\"w-tabs-item\"><a href=\"#1756902186516-435d2052-8932\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">How do I know if my LTCI policy has an inflation rider?<\/span><\/a><\/div>\n<div class=\"w-tabs-item\"><a href=\"#1756902198583-48e4df7d-d580\" class=\"w-tabs-item-h\"><span class=\"w-tabs-item-title\">Are in-home care services tax-deductible?<\/span><\/a><\/div>\n<\/div><\/div><div class=\"w-tabs-sections\"><div class=\"w-tabs-sections-h\"><div class=\"w-tabs-section\" id=\"1756902104800-218a151f-33b3\"><a href=\"#1756902104800-218a151f-33b3\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">What are the three types of Long-Term Care Insurance?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>Long-Term Care Insurance (LTCI) typically comes in three main types:<\/p>\n<ol>\n<li><strong>Traditional Long-Term Care Insurance<\/strong>: This is the most common type of LTCI. You pay regular premiums, and the policy covers a range of long-term care services when you meet the benefit triggers, such as needing help with two or more Activities of Daily Living (ADLs) or having a cognitive impairment. Coverage usually includes in-home care, assisted living, and nursing home care.<\/li>\n<li><strong>Hybrid Long-Term Care Insurance<\/strong>: Hybrid policies combine life insurance or an annuity with long-term care benefits. If you don\u2019t use the long-term care benefits, the policy still provides a death benefit to your beneficiaries. This type can offer more flexibility and may appeal to those who want coverage even if long-term care is never needed.<\/li>\n<li><strong>Group Long-Term Care Insurance<\/strong>: Offered through employers, associations, or other groups, this type is often more affordable than individual policies. Benefits and coverage terms are set by the group, and eligibility may depend on your membership in the organization offering the plan.<\/li>\n<\/ol>\n<\/p><\/div> <\/div> <\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1756902104809-9ae8a4b8-56de\"><a href=\"#1756902104809-9ae8a4b8-56de\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">Can LTCI benefits be used for cognitive or memory care at home?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>Yes. Many LTCI policies allow benefits for individuals with cognitive impairments, including Alzheimer\u2019s or dementia. In some cases, cognitive issues alone can qualify for benefits even if the person can still perform some ADLs, depending on the policy. Licensed agencies like Assisting Hands are experienced in documenting care for cognitive conditions to meet LTCI requirements.<\/p><\/div> <\/div> <\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1756902150781-51f3480f-60c4\"><a href=\"#1756902150781-51f3480f-60c4\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">Do older LTCI policies cover in-home care?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>Older policies were often more restrictive and focused on community-based care like nursing homes or assisted living. However, many still include home care coverage. Newer LTCI policies are usually more flexible and allow for long-term care at home, reflecting the growing preference for aging in place. Assisting Hands can review your policy to clarify coverage options.<\/p><\/div> <\/div> <\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1756902162301-d43c8854-ec84\"><a href=\"#1756902162301-d43c8854-ec84\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">How can I maximize my LTCI benefits for in-home care?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>To make the most of your policy:<\/p>\n<ul>\n<li>Work with a licensed agency familiar with LTCI claims<\/li>\n<li>Keep detailed records of care, including hours and services provided<\/li>\n<li>Understand your elimination period, daily\/monthly limits, and benefit triggers<\/li>\n<li>Ask about any inflation protection riders to increase coverage over time<\/li>\n<li>Submit all documentation promptly to avoid delays in reimbursement<\/li>\n<\/ul>\n<\/p><\/div> <\/div> <\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1756902174063-0e0a35ce-f451\"><a href=\"#1756902174063-0e0a35ce-f451\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">Can LTCI cover respite care for family caregivers?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>Yes. Many LTCI policies include coverage for respite care, which allows family caregivers to take a break while a licensed caregiver provides temporary care at home.<\/p><\/div> <\/div> <\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1756902186516-435d2052-8932\"><a href=\"#1756902186516-435d2052-8932\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">How do I know if my LTCI policy has an inflation rider?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>An inflation rider increases your benefit amount over time to keep up with rising costs. You can check your policy documents or contact your LTCI provider to see if this feature is included.<\/p><\/div> <\/div> <\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1756902198583-48e4df7d-d580\"><a href=\"#1756902198583-48e4df7d-d580\" class=\"w-tabs-section-header\"><div class=\"w-tabs-section-header-h\"><h5 class=\"w-tabs-section-title\">Are in-home care services tax-deductible?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/div><\/a><div class=\"w-tabs-section-content\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column \"><div class=\"wpb_wrapper\"><p>In some cases, expenses for long-term care at home may be partially tax-deductible under IRS rules. Check with your tax advisor to determine eligibility based on your policy and out-of-pocket expenses.<\/p><\/div> <\/div> <\/div><\/div><\/div><\/div><\/div><\/div>[vc_raw_html]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of the most common questions we get at Assisting Hands Home Care is: \u201cHow do we pay for in-home care services?\u201d Or, we often hear families say, \u201cMy parents paid into this long-term care policy for years, but I\u2019m not sure if your services are covered.\u201d The good news is that many of our clients successfully use their Long-Term...","protected":false},"author":117,"featured_media":8200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[51],"tags":[134,237],"class_list":["post-8199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-care-tips","tag-home-care-services","tag-long-term-care-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Does Long-Term Care Insurance Cover In-Home Care<\/title>\n<meta name=\"description\" content=\"Learn how Long-Term Care Insurance can help pay for in-home care. 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