Serving Orange County & the Coachella Valley · CA Licensed HCO #304700544
Long-Term Care Insurance Carrier Guides
Each guide summarizes what the carrier or program publishes about starting a claim, documenting a provider, and submitting invoices — and what a licensed Orange County home care agency contributes. Guides are carrier-level: policy forms differ, so always confirm against your own policy.
CalPERS
California public-employee long-term care program, administered by illumifin, with home care benefits under existing certificates.
Last reviewed: August 2026
FLTCIP
The Federal Long Term Care Insurance Program for federal employees, retirees, and eligible family members, with defined formal-provider requirements.
Last reviewed: August 2026
Genworth
One of the largest long-term care carriers in the United States, with a defined claim intake, functional assessment, and plan-of-care process.
Last reviewed: August 2026
John Hancock
Long-term care carrier with a published claim process covering benefit eligibility review, provider eligibility, and benefit reimbursement.
Last reviewed: August 2026
Mutual of Omaha
Claims are opened by phone and handled in-house by a Mutual of Omaha care coordinator; assignment of benefits to a provider is permitted in writing.
Last reviewed: August 2026
New York Life
Claims open through the Long-Term Care Center in a MyNYL account or by phone with a benefit specialist; a plan of care and daily visit documentation are required.
Last reviewed: August 2026
Northwestern Mutual
Long-term care coverage with appropriate-provider requirements, provider change requests, and secure submission of claim documentation.
Last reviewed: August 2026
Transamerica
Long-term care policies issued across several decades and policy blocks; claim forms and administration depend on the specific certificate.
Last reviewed: August 2026
Additional carrier guides are prepared only after official sources and our own documented experience with that carrier are confirmed. If your carrier is not listed, the care and documentation process is the same — call and we will start from your policy.
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.