Free long-term care insurance policy review.
Most families have no idea how much their long-term care policy actually covers. Send us your insurer and policy number, we'll read the fine print and tell you, plainly, what your benefits are worth.
No upfront cost, we bill your insurer directly.
It's called Assignment of Benefits. Instead of you paying out of pocket and waiting months for reimbursement, we work with your insurer and bill them directly for covered care. You don't front the money, and you don't chase the paperwork, we handle it.
Request your free review
A Care Manager reviews your benefits and calls you within one business day.
We bill every major Texas long-term care carrier.
We are a recognised Assignment of Benefits provider for the carriers below. If yours isn’t listed, send us the details, we’ve set up direct billing with carriers families bring us almost every week.
Four steps. Free. Honest.
We call you, within one business day.
A Care Manager calls to walk through your policy together. No sales script, no pressure.
We read the policy.
Daily benefit, lifetime maximum, elimination period, ADL trigger language, inflation rider, exclusions. We explain each in plain English.
We write you a summary.
Within 48 hours of the call, a one-page written summary of what your policy actually covers. Yours to keep.
If you choose to begin care, we bill the carrier.
Assignment of Benefits, daily activity logs, and the documentation the carrier needs, all handled by us.
About long-term care insurance, plainly.
What is Assignment of Benefits, and why does it matter?
Assignment of Benefits (AoB) is an arrangement where your insurance carrier pays the home-care agency directly for covered services, instead of you paying out-of-pocket and waiting weeks or months for reimbursement. We are a recognised AoB provider for every major long-term care carrier in Texas. You don't front the money, and you don't chase the paperwork.
What's the ADL trigger, and how do I know if it's met?
Most long-term care policies pay benefits once the insured needs hands-on help with at least two of six activities of daily living (bathing, dressing, transferring, toileting, continence, and eating), or has a cognitive impairment requiring substantial supervision. A Care Manager assesses this in the free in-home consultation and documents the trigger in the format the carrier requires.
What's the elimination period and how do we handle it?
The elimination period is the waiting period (usually 0, 30, 60, 90, or 100 days) before benefits start paying. Care during this period is typically self-funded, but the period only counts when care is being delivered. We help families structure the start of care to satisfy the elimination period efficiently and start the clock the right way.
Which carriers do you bill directly?
We bill every major long-term care carrier in Texas directly, including John Hancock, Genworth, MetLife, Transamerica, Mutual of Omaha, Lincoln Financial, Northwestern Mutual, Prudential, New York Life, MassMutual, Allianz Life, and Pacific Life. If your carrier isn't listed, send us the details and we'll confirm.
How long does the review take?
A Care Manager calls you within one business day of receiving the request. Most policy reviews take 20-30 minutes by phone, with a written summary back within 48 hours. The whole process is free and carries no obligation.
What do you need from me?
The carrier name, policy number, and policy holder's full name. If you can scan or photograph the original policy document, that's helpful but not required. We can pull the daily benefit, lifetime maximum, and elimination period directly from the carrier with your authorisation.
Related resources.
What separates a real agency from a call center. Free, printable PDF.
Quiet signs care may be needed, with an honest read.
How we coordinate LTCI Assignment of Benefits for your clients.
From your first call to a caregiver in the home.
A 15-minute call with a Care Manager.
We’ll review your policy live, on the phone, and answer any question you have. No script, no pressure.