Long-term care insurance · Orange County

    Use the policy you already own to help fund care at home.

    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.

    How long-term care insurance may help pay for home care

    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.

    How Golden Age assists

    We do

    • Providing licensed non-medical home care across Orange County
    • Supplying Home Care Organization licensing and business documentation
    • Preparing itemized invoices in the detail LTC claims require
    • Maintaining care records and caregiver shift documentation
    • Coordinating provider documentation the carrier requests
    • Helping the family organize claim paperwork and keep track of what has been sent
    • Communicating with the carrier when written authorization is provided
    • Supporting an assignment-of-benefits request when the carrier permits it
    • Maintaining documentation for ongoing reimbursement and recertification

    We do not

    • Determine benefit eligibility
    • Interpret policy language
    • Guarantee claim approval
    • Guarantee reimbursement
    • Represent the insurance carrier
    • Sell insurance
    • Provide legal, tax, or financial advice

    The claim, in eight steps

    1. 1
      Notify the carrier

      Open the claim and confirm the policy is in force.

    2. 2
      Complete the claim packet

      Including the authorization that lets the carrier speak with whoever is managing the file.

    3. 3
      Practitioner certification

      A physician or licensed practitioner documents the need for care.

    4. 4
      Care assessment

      An assessor evaluates function and cognition against the policy’s benefit trigger.

    5. 5
      Plan of care

      A written plan describing the services to be delivered.

    6. 6
      Provider eligibility

      The agency supplies licensing, tax, and business documentation.

    7. 7
      Elimination period

      The waiting period, if any, is satisfied.

    8. 8
      Invoices and recertification

      Itemized invoices are submitted on the carrier’s cycle and eligibility is periodically reconfirmed.

    Itemized invoices and care documentation

    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.

    Questions to ask your carrier

    • What is the daily, weekly, or monthly home care benefit?
    • Is this a reimbursement policy or an indemnity policy?
    • What is the remaining benefit pool?
    • Is there an inflation rider, and how does it apply?
    • What benefit trigger applies to this policy?
    • What is the elimination period?
    • Does the elimination period count calendar days or service days?
    • Does the policy require a licensed home care agency?
    • What provider documentation is required?
    • Are itemized invoices required, and in what format?
    • Is proof of payment required?
    • Is direct provider payment available?
    • Is assignment of benefits permitted?
    • How often must invoices be submitted?
    • How frequently is recertification required?

    These should be answered by the carrier or a licensed insurance professional.

    For referral professionals

    Information for agents, advisors, fiduciaries, attorneys, and discharge planners

    When authorized and applicable, we provide the documentation your file needs and a single named point of contact for the duration of the engagement.

    • HCO License No. 304700544
    • Provider contact information
    • W-9
    • Certificate of insurance
    • Workers’ compensation documentation
    • Care plan information
    • Itemized invoices
    • Shift documentation
    • Secure administrative communication
    • A clear, named point of contact

    Frequently asked questions

    For families

    I have a policy and need home care

    Request a no-cost policy review conversation, or call and speak with someone who has handled long-term care documentation before.

    For professionals

    Refer a policyholder

    Agents, advisors, fiduciaries, attorneys, care managers, and discharge planners can send a referral and receive provider documentation for the file.

    Important disclosure
    Golden Age Companions is not affiliated with, endorsed by, sponsored by, or an agent of any insurance carrier, program, or administrator named on this site. Carrier and program names are used only to identify the policy a family may hold. Coverage, eligibility, benefit amounts, provider approval, elimination periods, and reimbursement are determined solely by the individual policy and its administrator. Golden Age Companions provides non-medical home care and administrative claim support; it does not sell insurance or provide insurance, legal, tax, or financial advice.
    Call (949) 630-0487Book