Why am I hearing from illumifin instead of CalPERS?

illumifin administers the CalPERS Long-Term Care Program. Claim matters are handled by the administrator.

Where do invoices go?

To the administrator, at the address and on the cycle it specifies for your claim.

Does illumifin administer every long-term care policy?

No. Administration varies by carrier and by policy block. Verify what applies to your certificate.

Administrators

illumifin: the administrator behind CalPERS Long-Term Care claims

illumifin is the third-party administrator for the CalPERS Long-Term Care Program. Claim intake, assessments, benefit determinations, correspondence, and payment are handled by the administrator rather than by CalPERS directly, which is why letters about a CalPERS certificate often arrive under a different name.

What the administrator handles

Opening and tracking the claim
Coordinating the care assessment
Reviewing practitioner certification and the plan of care
Determining benefit eligibility under the certificate
Receiving provider documentation and itemized invoices
Issuing payment and managing recertification

Do not assume one administrator covers every carrier

Administrators change over time and differ between policy blocks. For any carrier, confirm at the time you open the claim which administrator handles your specific certificate, and record the claim number, contact, and submission address.

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.

Common questions

Keep reading

Carrier guides

Official resources

CalPERS Long-Term Care Program (official)

Information last reviewed: August 2026

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.