Long-Term Care Insurance & Home Care Support
We Don’t Just Accept It — We Handle It For You
Navigating long-term care (LTC) insurance should never be a barrier to care — but for many families, it’s exactly that. The paperwork, policies, and back-and-forth with insurance carriers can be confusing, overwhelming, and time-consuming.
At CareReach, we take care of the entire process for you, at no additional cost. From submitting your first claim to managing ongoing documentation, we ensure that you get the care your loved one needs — and the benefits you’ve already paid for.
Most agencies hand you a blank form and walk away.
We do it all for you — for free. Our team will:
Full Claims Processing — Included in Your Care
Review your policy for benefit eligibility
Coordinate with your insurance provider directly
Submit all required care paperwork — correctly and on time
Track approvals and follow-ups
Respond to delays or requests for corrections
Submit for Waiver of Premium, when available
Maintain ongoing compliance to avoid claim interruptions
We do this behind the scenes, so your focus stays on your family — not paperwork.
What We Submit for You
What We Submit for You
Every LTC carrier has specific requirements. We ensure nothing is missed. This may include:
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A formal Plan of Care, signed and updated as needed
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Caregiver Visit Notes, logs, and time documentation
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Proof of assistance with Activities of Daily Living (ADLs)
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Agency licensure and caregiver HCA registry credentials
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Detailed invoices submitted in your provider’s preferred format
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Requests and renewals for Waiver of Premium eligibility
We speak the language of LTC insurance — and we make sure your care is always backed by the right documentation.
Waiver of Premium Support
Most policies include a Waiver of Premium clause, which means you can stop paying premiums once approved for benefits. We’ll help you:
Confirm your eligibility
File required documentation
Ensure ongoing compliance so your waiver remains active
This alone can save families hundreds of dollars a month — and we include it in our service at no cost.
Need a Policy? We’re Licensed to Help.
We’re proud to be one of the only home care providers in California that is also licensed to help families purchase long-term care insurance.
Our founder is a state-licensed LTC insurance agent, available to help you:
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Understand what policies cover (and what they don’t)
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Compare coverage options and premiums
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Apply for new LTC insurance
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Build a care and funding plan that protects your family’s future
Whether you're trying to activate a policy now or preparing for the years ahead, we’re here to guide you — not upsell you.
Waiver of Premium Support
Most policies include a Waiver of Premium clause, which means you can stop paying premiums once approved for benefits. We’ll help you:
Confirm your eligibility
File required documentation
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Ensure ongoing compliance so your waiver remains active
This alone can save families hundreds of dollars a month — and we include it in our service at no cost.
FAQS about
Long-Term Care
✔ No. All claims processing, documentation, and coordination are included in your CareReach service. We do not charge administrative fees.
✔ Yes. Many families begin care while the claim is being processed. If approved, coverage is often backdated to your first visit. We’ll help you time it properly.
✔ We’ll review it with you. We understand the language of long-term care contracts and can walk you through benefit triggers, elimination periods, and covered services.
✔ Yes. We are professionally licensed to help you compare, apply, and purchase a policy. There is no pressure — just clear guidance.
Explore Our Home Care Services
Not every care journey is the same - learn more about all of our services and find the care that best fits your family's needs.
