Many older adults purchased long-term care insurance years ago, but are unsure what it covers or how to use it when the time comes. At EasyLiving, we have specialized in helping families understand these policies since 1998. Our goal is to simplify the process, coordinate your care, and handle all the paperwork, processing, and billing so you receive the reimbursement you are entitled to.
Whether your policy includes home care, assisted living, or nursing home coverage, understanding the details is essential. Our care management team takes the time to review your policy, explain what it covers, and ensure that services are set up correctly from the start.
Why Long-Term Care Insurance Matters
Long-term care insurance can significantly reduce out-of-pocket expenses for home care or assisted living. These clients often become our longest-standing clients because their insurance allows them to focus on care rather than cost. However, policies are written differently, which can make the reimbursement process confusing. That is where our experience and advocacy make all the difference.
Key Terms to Know
Daily Benefit
This is the amount your policy pays each day for care. Most policies range from $50 to $250 per day, with $100 being the most common. Some are written as weekly or monthly amounts, which gives flexibility in scheduling services.
Elimination Period
This functions like a deductible, often between 0 and 100 days, before your insurance begins paying. We frequently help clients shorten or eliminate their elimination period by reviewing their care history and gathering the necessary documentation from hospitals, rehabs, or Medicare agencies.
Total Policy Amount
Policies typically have a total dollar value that translates into years of coverage. For example, a $109,500 policy with a $100 daily benefit equals roughly three years of benefits if used every day. Some policies even include unlimited coverage.
Triggering the Policy
Most policies begin paying when you need help with at least two Activities of Daily Living (ADLs) such as bathing, dressing, or transferring, or if you have a cognitive impairment like Alzheimer’s. Our team helps identify and document these needs so your policy activates quickly and without confusion.
How EasyLiving Helps With Long-Term Care Insurance Approval and Claims
Dealing with a long-term care insurance company can feel overwhelming. EasyLiving manages the process so your family can focus on care — from getting coverage approved for the right level of help through ongoing claims and reimbursement.
Here is how we help, end to end:
- Assessment. We complete a thorough assessment of your loved one’s needs so the care plan matches what is really required at home.
- Submit to the carrier. We submit that assessment and the care plan to your long-term care insurance company so coverage can be approved for the right level of care.
- Claims-ready invoicing. We handle invoicing with the documentation and detail your carrier needs so claims reimburse properly.
- We manage it for you. From approval through ongoing claims, we manage the process so your family isn’t chasing paperwork.
Along the way, our billing and care management team also reviews your policy, confirms benefits, follows up on claim questions, and helps you understand correspondence from the insurer. Once services begin, we work behind the scenes so your benefits pay out correctly.
The Companies We Work With
Since 1998, EasyLiving has successfully helped clients receive reimbursement from nearly every major long-term care insurance provider, including:
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Bankers Life & Casualty
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LifeSecure Insurance Company
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Lincoln Financial Group (Lincoln MoneyGuard)
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MassMutual Financial Group
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Mutual of Omaha
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National Guardian Life (NGL)
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Nationwide Life Insurance Company
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New York Life
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Northwestern Mutual
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Securian Financial
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State Farm
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State Life Insurance Company (OneAmerica)
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Thrivent Financial
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Genworth
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SHIP (Senior Health Insurance Plan)
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CNA Long Term Care Insurance
Our long-standing relationships with these companies mean we know how to get claims approved quickly and efficiently.
Common Policy Features
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Inflation Rider: Increases your daily benefit annually (typically 3 to 5 percent) to keep up with rising care costs.
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Waiver of Premium: Allows you to stop paying premiums after you have been receiving care for a set period, usually 90 days.
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Care Duration Clause: Some policies require that care last at least 90 days to qualify. We verify this before care begins to avoid surprises.
Why Families Choose EasyLiving
For over 25 years, we have guided families through the long-term care insurance process with compassion, transparency, and expertise. Our goal is to make sure your policy works exactly as it should—funding the quality care you deserve.
At EasyLiving, we take pride in doing more than just providing care. We manage the paperwork, handle the billing, and advocate for your reimbursement so you can focus on living well at home.
