Carrier guide · Orange County

    Using a Transamerica Long-Term Care Policy for Home Care

    Transamerica long-term care coverage was issued across multiple policy blocks over many years, and claim forms and administration differ between them. The first step is identifying the correct policy or certificate so the right forms and the current administrator are used. Golden Age Companions provides licensed non-medical home care and prepares the provider documentation and itemized invoices the claim requires.

    For families

    I have a Transamerica 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 Transamerica policyholder

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

    Who this page is for

    • Policyholders
    • Adult children managing a parent’s care
    • Spouses
    • Powers of attorney
    • Conservators and fiduciaries
    • Insurance agents
    • Financial advisors
    • Elder-law attorneys
    • Hospital and rehabilitation discharge professionals
    • Care managers

    What the official Transamerica material says

    Summarized from the official sources listed at the bottom of this page. Requirements vary by policy form — always confirm against your own policy.

    Finding the right forms for your policy

    Transamerica’s insurance service site routes policyholders to claim forms based on the policy or certificate held. Because the company’s long-term care business spans several acquired and legacy blocks, using a form from the wrong block is a common early mistake.

    • Locate the policy or certificate number before calling.
    • Use the service site to identify the forms applicable to that policy.
    • Confirm who currently administers the claim for that policy block.
    • Confirm where completed forms and ongoing invoices should be sent.

    Administration varies by policy block

    Do not assume any single third-party administrator handles every Transamerica long-term care policy. Verify the administrator that applies to your certificate at the time you open the claim, and record the claim number, contact, and submission address for the file.

    What we prepare while the policy block is being confirmed

    • Home Care Organization license and business documentation
    • W-9 and certificate of insurance
    • Plan-of-care detail matching the services delivered
    • Itemized invoices with shift-level detail from the first day of care
    • Caregiver shift notes retained for retroactive documentation requests

    Ongoing invoices

    Once the administrator is confirmed, submit invoices on the cycle they specify. Batching several months of invoices is the most common reason a family waits longer than necessary for reimbursement.

    What Golden Age Companions can help with

    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

    Golden Age Companions is a licensed Home Care Organization (License No. 304700544), not an insurance company, agency, or adviser.

    Documents a family may need

    • Policy or certificate number
    • Insured’s identifying information
    • Authorized-representative documentation
    • Policy-specific claim forms obtained through the service site
    • Practitioner certification of need
    • Plan of care
    • Provider documentation — HCO license, W-9, certificate of insurance
    • Itemized invoices with dates, hours, and services

    Requirements vary by policy and carrier. This list is a starting point, not a determination of what your policy requires.

    Questions to ask Transamerica

    • 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 questions should be answered by the carrier, its administrator, or a licensed insurance professional — not by a home care agency.

    For referral professionals

    Referring a client with a Transamerica long-term care policy

    Because Transamerica long-term care policies span several blocks, professionals referring a policyholder should capture the certificate number at intake.

    When authorized and applicable, we can provide:

    • 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
    Refer a policyholder

    Transamerica home care questions

    Care we provide

    Where we serve

    Keep reading

    Request a policy review

    A short conversation about what care you need and what your carrier will want to see.

    For insurance and referral professionals

    Documentation packet, intake process, and a named point of contact.

    Official resources

    Information last reviewed: August 2026

    Important disclosure
    Golden Age Companions is not affiliated with, endorsed by, sponsored by, or an agent of Transamerica. 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.
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