Our in-house experts will help you understand your policy, file claims quickly, and get the most from your long-term care insurance.
Introducing Our Long-Term Care Center of Excellence
TheKey offers more than exceptional, personalized in-home care, we also provide expertise in long-term care insurance—at no extra cost. If you’re feeling overwhelmed by the paperwork associated with filing long-term care insurance claims or you’re not sure when or how to start your claims process, our dedicated team of experts is ready to help.
More Timely Reimbursements, Fewer Headaches
We know how challenging, time consuming, and frustrating this process can be. That’s why TheKey now has a Long-Term Care Center of Excellence and a dedicated team to help our clients navigate all aspects of the claims process effectively. With our LTCI help, you can spend more quality time with your loved one.
Our long-term care insurance support is free of charge—unlike most other care providers. And we offer Assignment of Benefits (AOB) so the insurer pays TheKey directly when appropriate and you or your family don’t have to advance the funds while waiting for reimbursement.
LTCI Support for Families and Professionals
Do you have a long-term care insurance policy or manage the claims process for someone else? We work with clients, their families, and professionals, sharing our 20 years of experience to make the process smooth and stress-free.
Our Long-Term Care Insurance experts will help you:
- Understand your policy.
- Maximize your benefits.
- Submit your claims to ensure timely reimbursement.
- Not worry about accounting and administrative duties.
- Get time back to focus on your family member or client.
What people say about our long-term care insurance help.
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Excellent work!
“Thank you to TheKey for providing CalPERS LTCG with documentation to justify Ruth’s retroactive eligibility back to January 20, 2022. This has been an issue plaguing me for quite some time. Excellent work!”
A client’s spouse -
A Pleasure to Work With
“We could not be happier with the care Stephen has received. We are now qualified to receive reimbursement from our Long Term Care insurance carrier CNA. Cherise has gone over and beyond speaking with CNA, leaving me voicemails and following up with emails regarding the information that was documented. She has been a pleasure to work with and truly a credit to The Key’s staff.”
A client’s spouse -
Above and Beyond
“We are so grateful for your personal commitment to your families. We both know your follow-through is above and beyond.”
A client’s spouse
Help us understand your home care needs. Then we’ll set up a free phone consultation so you can get the right support and in-home care services to live and age successfully at home.
Frequently Asked Questions
When do I start receiving benefits from my long-term care (LTC) insurance policy?
Each LTC policy varies—that’s why we’re here to help. Typically, benefit eligibility is determined based on an individual’s need for assistance with Activities of Daily Living (ADLs) or due to cognitive impairment, such as dementia or Alzheimer’s disease. Benefits may also be subject to an elimination period.
How is “assistance” defined in LTC insurance policies?
There are six ADLs (listed below) that are most commonly defined in LTC policies. You should think about initiating your LTC benefits claim when assistance (ranging from supervision to full dependency) with two of these ADLs is necessary, or there are health and safety concerns due to a cognitive impairment:
- Bathing
- Dressing
- Toileting
- Transferring
- Incontinence Care
- Eating
What is an elimination period?
Also known as a waiting period or deductible period, an elimination period is the number of calendar days or service days that must be paid as out-of-pocket expenses before benefits are payable and reimbursement for services begins.
Are there any other services or items covered by an LTC policy?
Yes. LTC policies can cover additional services beyond home care. These services must be provided along with other ADL assistance that’s related to an individual’s diagnosis or care needs.
We understand the details—so you don’t have to.
If you have a policy you don’t understand or you’re tired of handling claims on your own, our dedicated LTC insurance team is ready to help. Click the Get Started button to tell us about your care needs and we’ll set up a free phone consultation.