Benefit verification
We verify what the policy covers, the daily benefit cap, elimination period, and restrictions before your client commits to anything.
← All partnersFor wealth managers and financial advisorsWe manage the entire
We manage the entire
LTCI claim.
Your clients have policies they paid into for years. Most never use the benefit because the claim process is overwhelming. We take it off everyone's plate. We coordinate directly with the insurer. No upfront cost. No paperwork from your side.
Why this matters
Your client’s policy is an asset. We help them use it.
Your clients have built wealth with your guidance for decades. When the day comes that someone in their family needs care, the long-term care insurance policy they bought ten or fifteen years ago is suddenly the most important thing on their balance sheet.
And in most cases, the policy never gets used. The claim process defeats the family. They self-fund care from liquid assets you spent years protecting. The insurer wins. The family loses. The referring advisor watches from the sideline.
We change that outcome. We are one of the few Houston home care agencies with deep LTCI claim management experience. We file. We document. We bill the insurer directly. We handle disputes and appeals. Your client uses the benefit they paid for.
What we handle
Everything between the policy and the bedside.
Care plan documentation
Insurer-compliant care plans built by an RN, written in the language insurers approve quickly.
Daily activity records
Detailed logs of caregiver time, tasks, and clinical observations. Audit-ready, paid claim accelerator.
Direct carrier billing
We bill the insurer directly, most policies allow this. Your client never writes a check unless they choose to.
Annual recertification
Most policies require yearly recertification. We track it, file it, and ensure benefits continue without interruption.
Disputes & appeals
When insurers question a claim, we respond. We have appealed and won denials many times. No lawyering up.
Insurers we manage claims for
All major LTCI carriers.
GenworthJohn HancockMutual of OmahaNorthwestern MutualMassMutualNew York LifeMetLifeLincoln FinancialTransamericaPrudentialState FarmBankers Life
If the carrier is not listed, we likely still work with them. Send the policy, we'll tell you within 24 hours.
Add value at the moment of greatest stress
Open a direct line.
Andrew or Serhat picks up. The first conversation is about your client, not us.