Long-Term Care Insurance Home Care Georgia
Unlock the benefits you've paid for. We provide expert care coordination, complimentary benefit verification, and seamless claims assistance so you can focus on your loved one.
Navigating Your LTC Policy
If you or a loved one holds a Long-Term Care (LTC) Insurance policy, you may have coverage for non-medical personal care, companionship, and homemaker services. However, understanding how policies work and navigating the reimbursement process can be incredibly stressful.
At Dream Living Support Services, we take the administrative burden off your shoulders. We regularly work with families who have policies from major carriers across the nation.
Carriers We Work With:
- 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
- FedPoint
- GILICO
- GSUAA Long-Term Care Program
- Guaranty Income Life Insurance Company
- Jackson National Life Insurance Company
- John Hancock
- 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 LTC
- 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
*Please note: Coverage depends on individual policy verification. Every policy is unique.
Carrier-Specific Home Care Guides
Learn exactly how to use your home care benefits with your specific insurance provider.
How Long-Term Care Policies Work
Understanding the critical components of your policy is the first step to unlocking your benefits.
Benefit Triggers
To activate benefits, the policyholder must typically require physical assistance with 2 of 6 Activities of Daily Living (ADLs) or require supervision due to a cognitive impairment. We provide the nursing assessments required to prove these triggers.
Elimination Periods
This is your deductible, measured in days rather than dollars. Common elimination periods range from 30 to 100 days. You must pay for care out-of-pocket during this time before the carrier begins the reimbursement process.
Daily Benefit Amounts
Policies have a maximum daily payout limit. Our care coordination team works with you to design a schedule that maximizes your daily benefit amount, ensuring you get the most care possible without overspending.
Our Seamless Claims Assistance Process
A step-by-step family guide to activating and maintaining your home care benefits.
Complimentary Benefit Verification
Before starting care, we will contact your insurance carrier on your behalf. We verify your daily benefit amount, elimination period status, and specific requirements for agency licensing and caregiver notes.
RN Assessment & Care Coordination
Our Registered Nurse conducts a comprehensive in-home assessment to document the necessary 'Benefit Triggers' (ADLs or cognitive needs). We then develop a customized care plan tailored to meet both the client's needs and the insurance company's requirements.
Initiation of Care & Documentation
Our trained caregivers begin providing compassionate support. Using our digital systems, they record detailed, HIPAA-compliant daily care notes that specifically address the ADLs required by your policy.
Invoice Submission & Reimbursement
At the end of each billing cycle, our administrative team compiles the care notes, timesheets, and formatted invoices. We submit these directly to the carrier or provide them to your family in a ready-to-submit packet for the reimbursement process.
Cost Comparison Calculator
See how in-home care compares to facility-based options. Adjust the slider to match your estimated care needs.
Your Care Needs
Why Choose Home Care?
- • Pay only for the hours you actually need
- • One-on-one personalized attention
- • Comfort of remaining in familiar surroundings
- • Flexible scheduling that adapts to your life
In-Home Care
With Dream Living Support
Assisted Living
Base rate (often excludes care)
Nursing Home
Semi-private room
*Disclaimer: Costs are estimates based on state averages and do not represent exact quotes. Facility costs often do not include personalized one-on-one care.
Frequently Asked Questions
Common questions about Long-Term Care Insurance and Home Care.
The Essential Family Care Guide
Not sure where to start? Download our free comprehensive Family Care Guide to understanding your options, asking the right questions, and planning for your loved one's future.
- Checklist for assessing care needs
- Questions to ask potential caregivers
- Understanding payment and insurance options
- Tips for making the home safer
Start Your Benefit Verification
Don't let the paperwork delay the care your loved one deserves. Contact us today, and our experts will help you navigate your Long-Term Care Insurance policy.
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