Long-Term Care Insurance
Your policy was built for exactly this moment.
If you hold an active Long-Term Care Insurance policy, you may already have home care coverage waiting. Age Well Care helps you understand your benefit, file your claim, and start care — without the confusion.
Is Your Policy Ready?
Three things that activate your LTCI home care benefit
Most Long-Term Care Insurance policies require three conditions to be met before benefits activate. Understanding these early helps you plan — and avoid delays.
Active Policy
Your policy has not lapsed and you continue to pay your premium.
2 or More ADLs
You need help with at least 2 Activities of Daily Living such as bathing, dressing, or transferring.
Elimination Period
You're prepared for 60–90 days of out-of-pocket care before insurance benefits activate.
Care Plan Required
Your insurer requires a formal written Care Plan — Age Well Care provides this as part of intake.
Not sure if your policy qualifies?
We'll review your policy details with you — no cost, no obligation. One call is all it takes.
Call 805-900-0829Step-by-Step Process
How home care and LTCI work together
Age Well Care supports you through every stage — from first conversation to active coverage.
Intake & Assessment
We review your needs and confirm ADL qualification.
Personalized Care Plan
A written plan your insurer requires to process the claim.
File Your Claim
We provide documentation to support your claim submission.
Elimination Period
60–90 days of out-of-pocket care; we help you manage this window.
Benefits Begin
Your insurer reimburses qualifying care up to your daily benefit amount.
Qualifying Conditions
Activities of Daily Living covered under most LTCI policies
Most policies require documented difficulty with at least 2 of the above. Age Well Care documents this in your Care Plan.
Managing Your Out-of-Pocket Cost
Two approaches to the elimination period
The elimination period is the 60–90 day window before your LTCI benefits activate. During this time, you pay for care out of pocket. Here are two ways to approach it.
Start with minimum care
Fewer hours during the elimination window lowers your upfront cost. Expand to full care once benefits activate. Best when safety allows.
Start at full need
Begin at the care level you actually need. You pay more during the window, but receive proper care now. Insurer reimburses after the period closes.
During your intake call, we'll review your policy's daily benefit, elimination period length, and current care needs — then help you choose the right path.
Why Age Well Care
We understand the claim process — and the person behind it.
Filing an LTCI claim can feel confusing. Age Well Care walks alongside you — handling the documentation, the Care Plan, and the coordination so you can focus on what matters.
As a local, family-owned and owner-led agency, we offer the consistency and accountability that national franchises can't match. See our full service area.
Explore the Age Well MethodLTCI Claim Support
We provide Care Plans and documentation insurers require.
Consistent Caregiver Pods
Same caregivers throughout your care, not a rotating roster.
Local, Owner-Led
Family-owned and owner-led — real accountability across every community we serve.
Structured Care Planning
Written plan developed at intake, reviewed regularly with your family.
Get Started
Let's find out what your policy covers.
One conversation is all it takes. No pressure, no obligation.