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Navigating Long-Term Care Insurance (LTCi)

Long-term care insurance (LTCi) can be a lifeline for families, but understanding when and how to use it can feel confusing and frustrating. Policies are complex, claims are often delayed or denied, and many families simply don’t know where to start.

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How ElderCARE Supports You with LTC Insurance

At ElderCARE, our team has over 17 years of experience guiding families through every step of the process. We help you unlock the benefits you’ve been paying for and use them to support care at home, in assisted living, or in skilled care settings.

📑 Knowing When to File a Claim

Many families wait too long—or start too early—when it comes to filing. We help you determine the right time to open a claim, based on your policy requirements and your loved one’s needs.

📝 Navigating the Application Process

We review your policy, explain the fine print in plain language, and assist with the documentation required to get your claim approved. Our experience helps prevent unnecessary delays or denials.

❌ Handling Denials & Appeals

Frequent denials are common in LTC insurance. We advocate for you, gather the right evidence, and guide you through the appeal process to get benefits reinstated or approved.

💙 Maximizing Benefits for Families

Did you know that some policies cover care management services? This means ElderCARE can continue to support you and your family not just in filing a claim, but in managing ongoing care and making sure you’re getting the most from your benefits.

📞 Ongoing Guidance

We don’t stop once the claim is approved. We continue to guide you through recertifications, care plan updates, and policy renewals so benefits keep working for you as long as possible.

An elderly woman with gray hair, wearing hiking boots, a dark jacket, a brown sweater, and a rust-colored scarf, stands on a stone pathway with a walking stick in hand, surrounded by trees and stone walls, smiling and looking to her right.

Why This Matters

  • The average annual cost of home care now exceeds $60,000 and continues to rise.

  • Families often lose tens of thousands of dollars in benefits due to missed deadlines, incomplete paperwork, or denied claims.

  • Having a seasoned advocate means less stress, fewer mistakes, and more money available to fund the care your loved one needs.

The ElderCARE Difference

Our team of ElderCARE managers understands both the human side of aging and the technical side of LTC insurance. With over 17 years of hands-on experience working with policies and providers, we know how to cut through red tape, fight for approvals, and keep families supported.

✨ We know when to start a claim.
✨ We help you get approved.
✨ We advocate through denials and appeals.
✨ We make sure you use every benefit available.

At ElderCARE, we simplify the process so you can focus on what matters most caring for your loved one with peace of mind.

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Testimonials

  • L.H.

    “Not only has she [Debbie] provided so much relief for our family in terms of logistics, coordination, and healthcare oversight, but she has provided enormous relief in a mental and emotional sense that we could never put a price tag on.”

  • M.S. Franklin, TN

    “You have no idea the comfort Heather has been to Mom and myself. Heather is our rock, helping to get us through even the most difficult situations. Additionally, I prayed for an angel and God sent me Heather!”

  • Janet Townsend, RN CMC

    “Donna is a strong advocate for her patients and is passionate about all aspects of their care.  She has excellent interpersonal skills with clients, families, peers and professional and public communities.”

  • Marguerite England, RN CMC

    “Donna was incredibly helpful, supportive and patient when my father was ill.  Her knowledge, resources and strategies to keep us on the right track were invaluable.  It was abundantly clear that she had genuine concern for us as well as a love and passion for her calling.  We could not have navigated this without her.”