We help you activate and maximize your LTC policy benefits for premium home care. Expert coordination. Maximized coverage. Minimized out-of-pocket costs.
📞 Get Your Free Policy ReviewLong-Term Care (LTC) insurance is a financial benefit designed to cover the costs of extended care—including home care, assisted living, and nursing facilities. Many affluent families have LTC policies but don't realize they can use them to cover premium home care services.
In fact, 80% of families with LTC insurance don't activate it for home care. They assume their policy is only for nursing homes, or they're unsure how to access it. That's where Golden Age Companions comes in.
Most LTC policies cover three main types of care:
In-home services including personal care, companion care, and skilled nursing assistance. Your loved one stays in their own home while covered by insurance.
Community-based residential facilities that provide supervision, meals, and assistance with activities of daily living.
Skilled nursing and rehabilitation services provided in a licensed nursing facility.
We review your LTC policy to understand your coverage limits, elimination periods, daily benefits, and covered services. We identify what your policy will actually pay for.
We work with your insurance company to obtain certification of care eligibility. We handle the paperwork, timelines, and documentation so your claims process smoothly.
We structure your care plan to align with your policy's covered services and daily benefits, ensuring you receive maximum coverage while minimizing out-of-pocket costs.
We submit claims, track reimbursements, manage approvals, and handle any denials or coverage disputes on your behalf.
Yes. Most LTC policies explicitly cover home care services, including personal care, companion care, and assistance with activities of daily living (ADLs). Many policies also cover skilled nursing care and therapy services at home. We review your specific policy to confirm coverage.
An elimination period is the number of days you must pay for care out-of-pocket before insurance kicks in. Common elimination periods are 30, 60, or 90 days. We help you understand your elimination period and plan accordingly.
Coverage varies by policy. Daily benefits typically range from $100 to $400+ per day, with lifetime maximums ranging from $100,000 to $500,000 or unlimited. We review your policy to identify your specific coverage limits and help structure care accordingly.
Golden Age Companions provides premium home care services covered by LTC insurance. If your policy covers our services at the level of care you need, the insurance covers those costs. Any services exceeding your policy's daily benefit or care scope would be billed separately. We're transparent about all costs upfront.
If your insurance company denies your claim, we work with you to understand the reason and help you appeal if appropriate. Sometimes denials are based on technicalities or documentation gaps—we help resolve those issues.
We have experience coordinating with most major LTC insurance carriers including Genworth, Lincoln National, Transamerica, AARP (through Hartford), and others. If you have a policy from a carrier we haven't worked with, we'll research it thoroughly and coordinate the process with them.
Call us at (949) 630-0487 or email Scott@goldenagecompanions.com. Gather your LTC policy documents (or access them online) and we'll schedule a free policy review call. We'll explain your coverage, identify eligibility, and create a plan to activate your benefits.
Case Study: A family in Newport Beach had a 20-year LTC policy with a $200/day benefit they thought was "for nursing homes only." After our review, we activated it for in-home companion care services. The policy covered 5 days per week of care for 18 months—saving the family over $54,000 in out-of-pocket costs. The policy would have eventually expired unused.