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.
How the partnership actually works
What a Houston wealth advisor needs from a home care partner.
The moment a wealth advisor is most useful to a client, and most invisible in the traditional advisor role, is the moment a family member needs care. Portfolio conversations pause. Estate documents get reopened. The client’s adult children start asking about cash flow, care costs, and whether the long-term care insurance policy their mother bought in 1998 is still worth anything. What the family typically does not know is that the policy is worth a great deal, and that the reason it usually goes unused is the claim process, not the policy language. Our partnership with financial advisors is built to make sure the asset the client paid twenty or thirty years of premiums for actually gets deployed.
The specific coordination points that matter for advisors are practical. When a client’s family calls you and says their parent needs care, a warm introduction to us means a policy review within 48 hours, a benefit summary written in plain language, and a call with the advisor on the line if that helps. When care starts, the client’s liquid assets are preserved because the LTCI benefit funds the majority of the daily cost. When the annual recertification is due, we file it. When the carrier questions a claim, we appeal it. Advisors who refer to us tell us that the reason the referral becomes durable is that the family experience is genuinely different: no forms to fill out, no reimbursement requests to track, no cash-flow surprise when the invoice arrives.
What our RN-led model brings to LTCI in particular is documentation carriers accept the first time. Andrew Harris, RN, our Clinical Director, personally reviews the care plan for any LTCI claim. Our daily visit records, care plan revisions, and ADL assessments are formatted to match what Genworth, John Hancock, MetLife, Northwestern Mutual, MassMutual, Mutual of Omaha, TransAmerica, and other major carriers require. Because our records read as clinical documents supervised by a Registered Nurse rather than as caregiver notes, the friction in the claim process is materially lower. Most of our LTCI claims are paid on first submission.
For advisors managing multi-generational relationships, the value of a working home care partnership extends beyond the immediate client. The adult children watching their parents’ care unfold are your future clients. The way their parents’ LTCI claim is handled, whether the policy is used to its capacity, whether the family is spared the paperwork burden, whether care is stable and dignified, all of that becomes part of the story those adult children tell about the advisor who introduced the agency. We treat every referral from an advisor as a referral to be honoured on those terms.
Practically, the partnership does not require anything of the advisor beyond the introduction. We do not ask advisors to become experts in home care rates or LTCI benefit structures. We do not send marketing materials to your clients uninvited. When a case is complete or the client’s situation changes, we update the advisor at the client’s direction, not before. The relationship is quiet by design, responsive when needed, and built to make the advisor look good at the exact moment the family is under the most stress.
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.