If your parent purchased long-term care insurance years ago, the policy may help pay for eligible care at home. Golden Age Companions provides licensed, non-medical home care and helps families organize the provider documentation, care records, and itemized invoices commonly requested during an LTC claim.
Coverage, benefit eligibility, elimination periods, provider requirements, and reimbursement are determined by the individual policy and insurance carrier. Golden Age Companions does not sell insurance or decide whether a claim is approved.
A long-term care policy is not health insurance. It exists to pay for help with everyday living — bathing, dressing, transferring, supervision for someone with dementia — in whatever setting the policy allows, including the person’s own home.
Benefits generally begin once the insured meets the policy’s benefit trigger, any elimination period is satisfied, and services are delivered by a provider the policy recognizes and documented in the detail the carrier requires. The last part is where most families lose time, and it is the part we handle every week.
Carrier-specific guides for the policies Orange County families most often hold.
California public-employee long-term care program, administered by illumifin, with home care benefits under existing certificates.
Read the home care guideOne of the largest long-term care carriers in the United States, with a defined claim intake, functional assessment, and plan-of-care process.
Read the home care guideLong-term care carrier with a published claim process covering benefit eligibility review, provider eligibility, and benefit reimbursement.
Read the home care guideLong-term care coverage with appropriate-provider requirements, provider change requests, and secure submission of claim documentation.
Read the home care guideThe Federal Long Term Care Insurance Program for federal employees, retirees, and eligible family members, with defined formal-provider requirements.
Read the home care guideLong-term care policies issued across several decades and policy blocks; claim forms and administration depend on the specific certificate.
Read the home care guideOpen the claim and confirm the policy is in force.
Including the authorization that lets the carrier speak with whoever is managing the file.
A physician or licensed practitioner documents the need for care.
An assessor evaluates function and cognition against the policy’s benefit trigger.
A written plan describing the services to be delivered.
The agency supplies licensing, tax, and business documentation.
The waiting period, if any, is satisfied.
Itemized invoices are submitted on the carrier’s cycle and eligibility is periodically reconfirmed.
Our LTC invoices show the insured’s name, service dates, the start and end time of each shift, hours, the caregiver, the rate, and the services delivered, alongside our Home Care Organization license and tax identification.
Shift notes are retained for the length of the engagement, so recertification and retroactive documentation requests can be answered from records rather than memory.
These should be answered by the carrier or a licensed insurance professional.
When authorized and applicable, we provide the documentation your file needs and a single named point of contact for the duration of the engagement.
Request a no-cost policy review conversation, or call and speak with someone who has handled long-term care documentation before.
Information last reviewed: August 2026