Question 1 of 9
Who needs care?
Your policy, your schedule, and care that fits the household.
US · Nationwide
Long-term care insurance
Long-term care insuranceHome Care with Long-Term Care Insurance in Your Area
If you have a long-term care insurance policy, it may help pay for non-medical care at home in Your Area. Here is how families usually coordinate the policy, the paperwork, and the care itself.
The Area
Around Your Area
Home Care Hound is a free matching service for non-medical home care. Tell us where your loved one lives and what help they need, and we'll look for a verified local home care agency that serves your address and works with this way to pay.
Services
Care at Home Your Policy May Help With
Non-medical help at home. The questionnaire lets you pick any mix.
Personal Care
Help with bathing, dressing, toileting, and moving around the home, the daily activities many policies look at.
Meals & Home
Meal preparation, light housekeeping, and laundry that keep the household steady.
Companionship & Supervision
Company, reminders, and a watchful presence for someone who shouldn't be alone for long stretches.
Errands & Appointments
Rides, errands, and help getting to appointments on the scheduled days.
Care in Your Area
Coordinate the Policy and the Care
Most policies pay after an elimination (waiting) period, once a care need is documented, up to a daily or monthly limit. Call your insurer first, then ask the agency what paperwork it can provide.
Tell us about the care you need in Your Area and how you plan to pay. Home Care Hound will review your request for available options and let you know if there isn't an immediate match.
Questions
Common Questions in Your Area
Can my long-term care insurance help pay for home care?
It may, depending on your policy. Your insurer will confirm which services are covered, when benefits begin, and how much your policy will pay.
What should I ask my insurer?
Ask whether home care is covered, how long you must wait before benefits begin, how much the policy pays, and what paperwork is needed.
Can care start while my claim is being reviewed?
Ask the agency whether you can pay privately while you wait. Confirm those costs with the agency and check with your insurer before assuming they will be reimbursed.
What kind of help can I get at home?
Caregivers can help with everyday tasks such as bathing, dressing, meals, companionship, and errands. These services are non-medical. Your insurer will confirm which services your policy covers.
Ready to Plan Care in Your Area?
It takes a few minutes, and nothing is sent unless you agree at the end.