CALong-Term Care Insurance Benefits for Home Care
Understanding Long-Term Care Insurance Benefits
Many families utilize long-term care insurance (LTCI) to help offset the cost of professional home care services. Depending on your specific policy, monthly benefits commonly range from $3,000 to $9,000+ per month for qualifying in-home care and daily living assistance.
Long-Term Care Insurance Carriers We Serve
We work seamlessly with Third-Party Administrators (TPAs) to help you maximize your benefits. Cornerstone Caregiving accepts and services policies from a wide network of major insurance providers, including:
Major Insurance Carriers Served
- Allianz Life Insurance Company of New York
- Allianz Life Insurance Company of North America
- American Family
- American Fidelity Group
- American General Life Insurance Company
- American General Long Term Care Insurance Plan
- American Health and Life Insurance Company
- Bankers Conseco Life Insurance Company
- Bankers Life and Casualty Company
- Best Meridian Inc.
- Blue Cross Blue Shield FL
- Blue Cross and Blue Shield MN
- CalPERS Long-Term Care Program
- Central States Health and Life Co of Omaha
- CNO
- Colonial Supplemental Insurance
- Continental Casualty Company
- Farmers New World Life Insurance
- Fed Point
- GILICO
- GSUAA Long-Term Care Program
- Guaranty Income Life Insurance Company
- Jackson National Life Insurance Company
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- Knights of Columbus
- Lafayette Life
- Life Insurance Company of the Southwest
- Lincoln Financial Group Long Term Care
- Madison National Life
- National Life Insurance Company
- Nationwide
- New York Life Insurance and Annuity Corporation
- New York Life Long-Term Care Insurance
- North Carolina State Health Long Term Care Plan
- Pacific Life & Annuity Company
- Pacific Life Insurance Company
- Primerica Life Insurance Company
- Prudential
- RiverSource Life Insurance Co. of New York
- RiverSource Life Insurance Company
- Senior Health Insurance Company of Pennsylvania
- Southern Farm Bureau Life Insurance Company
- The Cincinnati Life Insurance Company Life Horizons L TC
- Thrivent Long-Term Care Insurance
- Transamerica Financial Life Insurance Company
- Transamerica Life Insurance Company
- United Health Care
- United of Omaha Life Insurance Company Long-Term Care
- Universal Fidelity Life
- Unum Connecticut
- Unum Long-Term Care Plan
- US Life Long-Term Care Program
- VLDP Long Term Care Plan
- VRS
- VSDP Long Term Care Plan
- Washington National Insurance Company
- Wilmington Insurance Company
FAQ for Families & Home Care Professionals
Yes, most comprehensive long-term care insurance policies cover eligible in-home caregiving services, including personal care, dementia care, and companion care.
Many policies provide daily benefits ranging from $100 to $300 per day, depending on the daily maximum and inflation riders chosen when the policy was purchased.
To activate benefits, the policyholder typically needs to meet specific qualification requirements (such as needing help with a certain number of Activities of Daily Living). Cornerstone Caregiving works alongside your Third-Party Administrator (TPA) to help streamline the documentation and billing process.
We’re here to help!
Contact our team today for additional support with LTCI claims, home care services, or any questions you may have about navigating the insurance process. We’re here to help!
Help is on the way
Here are just a few of the ways our caregivers can help. During our free in‑home assessment we will customize a care plan for your loved one.
