Orange County's LTC insurance specialists. We help you activate benefits you may have forgotten about.
Check Your LTC EligibilityOf LTC policyholders don't realize home care is covered
Average unclaimed LTC benefits per family
Years helping OC families activate benefits
We examine your LTC insurance documents to understand your coverage, limits, triggers, and eligibility requirements.
We assess whether your situation meets your policy's eligibility criteria and prepare documentation for your insurer.
We submit your claim to the insurance company and coordinate approval for home care services.
Our caregivers deliver premium home care while maintaining documentation for ongoing insurance compliance.
We bill your insurance company directly when possible, minimizing your out-of-pocket costs.
We help you use available benefits fully within your policy limits to reduce total care costs.
Most modern LTC policies cover these home care services
Assistance with bathing, dressing, grooming, toileting. Core LTC-covered service.
Social engagement and emotional support. Covered if medical necessity is documented.
Specialized support for memory loss and behavioral needs. Most policies cover with cognitive impairment trigger.
Transitional care following surgery or hospitalization. Usually fully covered during recovery window.
Reminders, administration support. Covered when medical necessity is established.
24/7 support for intensive care needs. Covered within daily/monthly benefit limits.
Don't leave money on the table. Let us help you activate your Long-Term Care insurance benefits.
Take the LTC Assessment