Long-Term Care Insurance Expertise in Sonoma, Napa and Marin Counties 

Understanding Your LTCi Policy for Home Care and Assisted Living

Feeling overwhelmed when it comes to figuring out your Long-Term Care insurance (LTCi) policy? You and your family are not alone in wondering about how to pay for the costs of in-home care. The LTCi specialists at Amada Santa Rosa CA can help navigate the complexities of long-term care insurance and other funding options. Call us for a complimentary LTCi policy review.

Amada Santa Rosa is a Trusted Resource for Families and LTCi Agents

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 their Long-Term Care insurance agents who represent companies from ACSIA, Genworth, Mass Mutual, TransAmerica, and many more. At Amada Santa Rosa, we proudly serve senior clients and work closely with LTCi agents in the Greater Samta Rosa Area, including Cloverdale, Healdsburg, Napa, Petaluma, Santa Rosa, Sebastopol, Sonoma, Rohnert Park, Windsor, and beyond. We specialize in ensuring that your LTCi policy, insurance agent’s recommendations and family members’ needs are met.

Comprehensive In-Home CareSupport and Personalized Service

The owner of Amada Santa Rosa, owners Angela and Michael Lynch, personally meet 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 according to the benefits outlined in the policy.

Understanding the Benefits of Your LTCi Policy

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. Furthermore, we can 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.

Streamlined Processes and Advocacy

At Amada, we can speak directly to and file paperwork with your insurance company to save time and cut through red tape. We support you by:

  • Being there for you during the nurse’s assessment.
  • Coordinating with your doctors and other health providers for all needed documentation.
  • Billing your policy directly and accurately to reduce your need to manage cash flow and aid in managing the cost of long-term care.


Insights and Tips for LTCi Policyholders

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

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, Alzheimer’s disease diagnosis, or dire medical situations.

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

Rate increase letters are incredibly confusing and it can be difficult to determine the best option for you and your family. If you get rate premium increase letters, contact us! We are happy to share insights and make suggestions gleaned from working with hundreds of policies and LTCi agents. There are many things you can do besides cancel or lower the policy benefit.

Explore Additional Policy Benefits

Policies can include money for home modifications, monthly cash payments, and more but the details can be buried and 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 specialize in LTCi guidance and at-home senior care so that we can assist you and your family.

Contact Amada Santa Rosa CA for Expert LTCi Guidance

Please trust us as countless families and long-term care insurance agents in Sonoma, Napa and Marin Counties have. Call us at (707) 387-0733 to learn more about your LTCi policy totally free of charge, whether or not you are interested in home care. We can help you get the home caregiving services you need. Just ask for Angela or Michael and a free long-term care insurance policy review.