LTCi: What Is It? How Does It Help Pay for Home Care?

Worried about how to cover the costs of  in-home care for a senior loved one? You and your family are not alone in feeling concerned! 

Many families are not aware that for the
 senior with non-medical home care needsoptions like health insurance, Medicare or Medicaid will NOT cover the costs of senior care. Instead, one of the most prudent ways to financially prepare for the possibility of needing long-term care is by investing in a Long-Term Care insurance (LTCi) policy. 

LTCi covers a wide variety of home care needs and situations. 

  • Covers the costs of in-home care 
  • Covers the costs of assisted living 
  • Covers the costs of skilled nursing facilities 
  • Covers the costs of memory care communities 

LTCi not only covers in-home care delivered by non-medical home care providers like Amada Senior Care, it also covers other senior care options like assisted living, skilled nursing and memory care communities. Key components to consider when purchasing an LTCi policy include 1) the benefit amount, 2) the benefit period and 3) the elimination period. 

The LTCi experts at Amada Lehigh Valley can help you understand and utilize your Long-Term Care insurance policy. 

This is because we are committed advocates for families with the goal of helping them find funding sources for care. Indeed, Long-Term Care insurance (LTCi) claims management is our specialty. As your LTCi experts, we happily help policyholders understand their options and verify their LTCi benefits. Our team of Certified Senior Advisors will guide you and your family through the process of reviewing and filing a claim so that you or you senior loved one can start receiving benefits as soon as possible. 

We have deep relationships of trust and reliability with many LTCi agents and carriers with whom we collaborate closely to assist in applying benefits for in-home care most effectively through a care plan specific to our senior client’s needs.



Please call us today to take advantage of our free LTCi assessment. We can coordinate a conference call with you and your carrier to do the following: 

  • Identify and analyze the requirements of your policy, including elimination periods, daily maximum, lifetime benefits, and coverage. 
  • Assist you as the policyholder in completing the necessary forms to file a claim. 
  • Bill the LTCi carrier directly, at the policyholder’s request. 
  • Aid in the responsibilities of benefits, scheduling, payroll taxes, bonding, workers’ compensation, and general and professional liability insurance. 

 Amada Lehigh Valley offers a FREE benefits analysis for you or your senior loved one.

We have established relationships with a wide variety of LTC insurance carriers and third-party administrators to make the claims process easier. We welcome the opportunity to be your advocate. It is our pleasure and dedicated goal to assist you in receiving benefits you are owed and the compassionate care you deserve. Please call us today at (484) 268-1778 to speak with one of our Certified Senior Advisors for a FREE benefits analysis.