Long-Term Care Insurance Expertise in Birmingham  

Feeling overwhelmed when it comes to figuring out your LTCI policy? You and your family are not alone wondering about how to pay for the costs of in-home care. Amada Birmingham can help.

Using Long-Term Care Insurance policies for home care can be complicated and confusing without the right expertise. For years, Amada has been the number one trusted resource for families and agents of Genworth, John Hancock, CNA, Blue Cross, Allianz, Bankers Life, TransAmerica and many more. Several of Alabama’s largest agents of Long-Term Care Insurance trust their own families with Amada. We serve clients across the Birmingham area including Hoover, Mountain Brook, Homewood, Vestavia Hills, Alabaster, Pelham, Center Point, Irondale, and Leeds.

The owner of Amada Birmingham, Len Everts, personally meets with every Long-Term Care Insurance policyholder and escorts the family through every step of the benefits review and claims management process to make sure you get everything you deserve and maximize the benefits of the policy.

  • Review your policy, paying special attention to inflation riders, home modification benefits, and indemnities that increase your policy value
  • Structure services around elimination periods to get you the help you need
  • Speak directly to and file paperwork with insurance companies to save time and cut through red tape
  • Coach and sit with you for the nurse’s assessment
  • Coordinate with your doctors and other providers for documentation
  • Bill insurance directly and accurately to reduce your need to manage cash flow
  • In the right situation it is needed, submit appeals and documentation

We will be honest with you and our track record speaks for itself — after seven years in business, we have never been denied a claim where our experts believe a client warranted home care! We firmly believe that you deserve to use policies you have paid into for decades and we work diligently to ensure you do!

Here are the three things we wish everyone knew about their long-term care policies:

Don’t be afraid to use your policy! 

Your benefit period can last longer than what is printed on your policy depending on how you use it and you can use it for short periods following surgery or dire medical situations.

If you get rate premium increase letters, contact us!  

There are many things you can do besides cancel or lower the policy benefit.

You likely have many other benefits in your policy worth knowing about!

Policies can include money for home modifications, monthly cash payments, and more but they are buried and can take an expert eye to find. We have experienced the confusion of using long-term care insurance with our own families — it is one reason we decided to provide at-home senior care so that we can assist you and your family.

Please trust us as countless Birmingham families and agents have. Call us at 205-208-9466 to learn more about your policy totally free of charge, whether or not you are interested in home care.  Just ask for Len and a free long-term care insurance policy review.