We Turn Your Long-Term Care Insurance Into Paid-For Care
You pay for concierge care. We get your long-term care insurance to pay you back. Our team prepares, files, and tracks every claim with your carrier — guided from the first page of your policy to the payment — and over 98% of our clients' claims are successfully reimbursed.
Free policy review · No obligation · Licensed & bonded in Maryland · We work with all major LTC carriers
Free policy review · No obligation · Licensed & bonded in Maryland · We work with all major LTC carriers
The Problem
The dirty secret of long-term care insurance: the paperwork is the product
Families pay premiums for decades — then discover the payout depends on ADL assessments, physician statements, elimination periods, care logs, and claim forms completed exactly right, on time, every billing cycle. Most agencies hand you the forms and wish you luck. Many families give up, leave money unclaimed, or worse — interrupt care while fighting the carrier. We built our agency differently. Claims work isn't an add-on here. It's one of our core services.
The Engine
Every claim, handled end-to-end
Policy review before care begins — We read your policy with you and explain your daily benefit, elimination period, and triggers in plain English. · RN-verified ADL documentation — Benefits trigger on documented need with activities of daily living — and bathing is just one of them: dressing, transferring, toileting, eating, and continence all count. Our team helps you identify every area of genuine need, and our nurses document each in the precise format carriers require, generated from every visit's charting. · Claim preparation & direct submission — Care logs, invoices, and clinical notes compiled and submitted directly to John Hancock, Genworth, CNA, MassMutual, the Federal Long Term Care Insurance Program (FLTCIP), and others. · Tracking to approval — We follow every claim, answer carrier requests, and escalate stalls. You see the status; we do the chasing. · Continuity, always — Care never pauses while the insurer deliberates.
The Number
Over 98% of our clients' claims get reimbursed.
Not “we accept LTC insurance.” Not “we'll help with forms.” Over 98% of the claims we've prepared and submitted have been successfully reimbursed — because documentation done by clinicians, in the carrier's own language, gets approved.
Carrier expertise
We speak your carrier's dialect
Every carrier has its own quirks — documentation formats, elimination-period mechanics, review cadences. We know them. John Hancock claims → · Genworth claims → · CNA claims → · MassMutual claims → · Federal Long Term Care Insurance Program (FLTCIP) claims →
How It Works
Three steps from policy to payment
Free policy review. Send the policy or just the carrier name; we decode what you actually have. 2 — Care begins; documentation runs automatically. Every visit generates the records your carrier requires. 3 — You get reimbursed. Claims filed each cycle, tracked to payment.
Your policy has been waiting for this.
One conversation. We'll tell you what your coverage is worth — and how to collect it.
⭐ 5.0 on Google · Licensed & Bonded in Maryland · Over 98% of claims reimbursed
Frequently asked questions
Which carriers do you work with?
We work with all major LTC carriers, including John Hancock, Genworth, CNA, MassMutual, and the Federal Long Term Care Insurance Program (FLTCIP), as well as policies administered by third-party administrators like Davies Life & Health. If you're unsure who holds your policy, we'll help you find out.
My parent's claim was already denied. Can you help?
Often, yes. Denials frequently come down to documentation gaps. We review the denial, rebuild the clinical record, and resubmit.
Do we have to wait for reimbursement before starting care?
No. Care begins on your schedule; reimbursement catches up. That's the point — continuity is never held hostage to claim timing.
What does the claims service cost?
It's included. Claims preparation and submission are part of how we deliver care, not a billable extra.
What if the policy has an elimination period?
We'll map it during the policy review so you know exactly when benefits begin, and we document care from day one so the clock starts correctly.
What's an ADL assessment and why does it matter?
Carriers pay when your loved one needs help with activities of daily living — bathing, dressing, transferring, toileting, eating, continence. Bathing is just one of several that count. Our team helps you identify every genuine area of need, and our RNs document each in the exact clinical format carriers require to trigger benefits — then we file and track the claim for you.