{"id":6238,"date":"2025-03-19T05:44:55","date_gmt":"2025-03-19T12:44:55","guid":{"rendered":"https:\/\/www.amadaseniorcare.com\/lehigh-valley-senior-care\/?page_id=6238"},"modified":"2025-10-14T12:00:39","modified_gmt":"2025-10-14T19:00:39","slug":"ltci-facts","status":"publish","type":"page","link":"https:\/\/www.amadaseniorcare.com\/lehigh-valley-senior-care\/ltci-facts\/","title":{"rendered":"LTCI"},"content":{"rendered":"<div class=\"kb-row-layout-wrap kb-row-layout-id6238_49349b-a1 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column6238_b9fe5e-d8\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-kadence-image kb-image6238_21ee90-cb size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1109\" height=\"318\" src=\"https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/03\/header-freeltciclaims.jpg\" alt=\"\" class=\"kb-img wp-image-6239\" srcset=\"https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/03\/header-freeltciclaims.jpg 1109w, https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/03\/header-freeltciclaims-300x86.jpg 300w, https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/03\/header-freeltciclaims-1024x294.jpg 1024w, https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/03\/header-freeltciclaims-768x220.jpg 768w\" sizes=\"auto, (max-width: 1109px) 100vw, 1109px\" \/><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id6238_a7731e-60 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column6238_6d1f76-c4\"><div class=\"kt-inside-inner-col\">\n<h1 class=\"kt-adv-heading6238_6a1723-eb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_6a1723-eb\">LTCi: What Is It &amp; How Does It Help Pay for Home Care?<\/h1>\n\n\n\n<h3 class=\"kt-adv-heading6238_03a7ed-eb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_03a7ed-eb\">Worried about how to cover the costs of&nbsp; in-home care for a senior loved one? You and your family are not alone.<\/h3>\n\n\n\n<p class=\"kt-adv-heading6238_a55f49-3e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_a55f49-3e\">For the senior with non-medical, in-home care needs, options like Medicare or Medicaid will NOT cover the costs of senior care.<strong>\u202fRather, one of the most advisable ways to financially prepare for the possibility of needing long-term care is by investing in a Long-Term Care insurance (LTCi) policy.<\/strong><\/p>\n\n\n\n<p class=\"kt-adv-heading6238_7fde74-ea wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_7fde74-ea\">Certain benefits included in a Long-Term Care insurance policy can address a wide range of&nbsp;home care needs and situations:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Covers in-home care&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Covers costs of assisted living&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Covers costs of skilled nursing facilities&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Covers costs of memory care communities&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"kt-adv-heading6238_02cd27-3e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_02cd27-3e\">LTCi&nbsp;not only covers in-home care provided by a non-medical, in-home care agency like Amada Lehigh Valley, it also can address the costs of other senior care options like assisted living, skilled nursing and memory care communities. Key components to consider when purchasing an&nbsp;LTCi&nbsp;policy include the benefit amount, the benefit period and the elimination period.&nbsp;<\/p>\n\n\n\n<p class=\"kt-adv-heading6238_c12606-97 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_c12606-97\"><em>Amada Lehigh Valley can help you understand and utilize your Long-Term Care insurance policy.<\/em><\/p>\n\n\n\n<p class=\"kt-adv-heading6238_55b7fd-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_55b7fd-cb\">As committed senior advocates for families, our senior care advisors have the goal of helping seniors and their families identify funding sources for care. In fact, Long-Term Care insurance (LTCi) claims filing and management is our specialty at Amada Lehigh Valley. As your LTCi expert, we happily help policyholders\u202funderstand\u202ftheir options and\u202fverify\u202ftheir policy\u2019s benefits. Our team of senior care advisors will guide you and your family through the process of reviewing benefits and filing a claim so that you or you senior loved one can start receiving benefits as soon as possible.<\/p>\n\n\n\n<div class=\"wp-block-kadence-image kb-image6238_4e4fbf-2b\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/10\/Long-Term-Care-Insurance-Testimonial_183.png\" alt=\"\" class=\"kb-img wp-image-6921\" srcset=\"https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/10\/Long-Term-Care-Insurance-Testimonial_183.png 500w, https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/10\/Long-Term-Care-Insurance-Testimonial_183-300x300.png 300w, https:\/\/amada.b-cdn.net\/lehigh-valley-senior-care\/wp-content\/uploads\/sites\/379\/2025\/10\/Long-Term-Care-Insurance-Testimonial_183-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><\/div>\n\n\n\n<p class=\"kt-adv-heading6238_edf9e7-2b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_edf9e7-2b\">Please call us today to take advantage of our complimentary, no-obligation LTCi policy review. We can coordinate this as a conference call with you and your carrier to do the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identify and analyze the requirements of your policy, including elimination periods, daily maximum, lifetime benefits, and home care coverage.<\/li>\n\n\n\n<li>Assist you as the policyholder in completing the necessary forms to file a claim.<\/li>\n\n\n\n<li>Bill the LTCi carrier directly, as per the policyholder\u2019s request.<\/li>\n\n\n\n<li>Aid in the responsibilities of scheduling, bonding, payroll taxes, benefits, workers\u2019 compensation, and general and professional liability insurance.<\/li>\n<\/ul>\n\n\n\n<p class=\"kt-adv-heading6238_f0862c-5d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_f0862c-5d\"><em>Amada Lehigh Valley offers a FREE benefits analysis for you or your senior loved one!<\/em><\/p>\n\n\n\n<p class=\"kt-adv-heading6238_42304f-60 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading6238_42304f-60\">In fact, we have established relationships with a wide variety of LTCi agents, 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 the benefits in which you invested and the compassionate care you deserve. <strong>Please call us today at <a href=\"tel:(484) 268-1778\">(484) 268-1778<\/a><\/strong> to speak with one of our senior care advisors for a FREE benefits analysis.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>LTCi: What Is It &amp; How Does It Help Pay for Home Care? Worried about how to cover the costs of&nbsp; in-home care for a senior loved one? You and your family are not alone. For the senior with non-medical, in-home care needs, options like Medicare or Medicaid will NOT cover the costs of senior [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"class_list":["post-6238","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Long-Term Care insurance information<\/title>\n<meta name=\"description\" content=\"Amada Lehigh Valley can help you understand and utilize your Long-Term Care insurance policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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