Long-Term Care Insurance Expertise in Long Beach, CA 

Understanding LTCI Policies for Home Care and Assisted Living

Feeling overwhelmed when it comes to figuring out your LTCI policy? You and your family are not alone in wondering about how to pay for the costs of in-home care. Amada Senior Care of Long Beach, CA can help your family navigate the complexities of long-term care insurance (LTCI or LTC) and other funding options.

Trusted Resource for Families, Agents, and LTCI Services

Using Long-Term Care Insurance policies for home care can be complicated and confusing without the right expertise. For years, Amada Senior Care of Long Beach, CA has been the number one trusted resource for families and agents of ACSIA, Allianz, Bankers Life, Blue Cross, CNA, Genworth, John Hancock, TransAmerica and many more agencies. We serve senior clients across the Long Beach and Greater Los Angeles area, including Torrance, Long Beach, Bixby Knolls, Manhattan Beach, Hermosa Beach, Palos Verdes, San Pedro, Carson, Inglewood, Hawthorne, Los Alamitos, Seal Beach, Ladera Heights, and Lomita. We specialize in helping families understand the benefits of their LTCI policies, ensuring that family members’ needs and insurance agents’ recommendations are met.

Amada Long Beach: Comprehensive Support and Personalized Service

The owners of Amada Long Beach, Cyndi and Andre Pegus, personally meet with every Long-Term Care Insurance policyholder and escort the family through every step of the benefits review and claims management process to make sure the policyholder receives the personalized care he or she deserves and to help maximize the benefits of the policy.

Maximizing LTCI Policy Benefits

At Amada Long Beach, we will help you understand your LTC insurance by reviewing your policy and paying special attention to features, such as inflation riders and home modification benefits that increase your policy value.

In addition, we are able to structure services around elimination periods to quickly get you the help you need from in-home care including toileting, personal care, and other activities of daily living.

LTCI Management: Streamlined Processes and Advocacy

At Amada Long Beach, we can speak directly to and file paperwork with your insurance company to save time and cut through red tape. Our care team supports you by:

  • Answering all your questions and being at your side for the nurse’s assessment.
  • Coordinating with the policyholder’s primary care doctor and other care professionals for all needed documentation.
  • Billing your policy directly and accurately for efficient funding of care services and help in managing the cost of long-term care.

Amada Long Beach is Your Senior Advocate

We will be honest with you and our track record speaks for itself — after a decade in business, we have never been denied a claim where our experts believe a client warranted home care! We are committed to helping policyholders use the care benefits they have invested in for decades and we work diligently to ensure they do!

Amada Long Beach Insights and Tips for LTCI Policyholders

Here are the three things we at Amada Long Beach 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 whether you can use it for short periods following a diagnosis of Alzheimer’s or dementia, post-surgery or in a dire medical situation.

Consult Amada or Another Expert if You Receive a Premium Increase Letter  

Rate increase letters are incredibly confusing and policyholders can find it difficult to determine the best option. If you have received a rate premium increase letter, do not cancel your policy. Instead, contact us for assistance. We are happy to share insights and make suggestions gleaned from working with hundreds of policyholders and agents.

There are many things you can do besides cancel or lower the policy benefit. We specialize in long-term care insurance and have close relationships with LTCI agents.

Explore Additional Policy Benefits

Policies can include funding for home modifications, monthly disbursements, and more but these details may be overlooked. We have experienced the confusion of understanding LTCI policies within our own families. This is among the many reasons Amada Senior Care of Long Beach has dedicated its business focus on providing quality at-home senior care so that we can assist you and your family.

Contact Us for Expert LTCI Guidance

Please trust us as countless Long Beach and Greater Los Angeles area families and long-term care insurance agents have. Call us at 310-953-0440 to learn more about your policy totally free of charge, whether or not you are interested in home care. We help you get the long-term care services you need. Just ask Cyndi or Andre for a complimentary long-term care insurance policy review.

Call 310-953-0440 to schedule a free veteran’s care needs consultation.