Paying for Home Care with Long-Term Care Insurance

If you need non-medical home care in Chester or Lancaster County, you have more payment options than you realize.

When it comes to home care, many families assume they must pay out of pocket or rely on VA benefits, but long-term care insurance can be a valuable resource that is often overlooked when paying for home care. At Griswold Care Pairing, we work directly with long-term care insurance providers to make it seamless and stress-free to access your benefits.

Read on to understand long-term care insurance, explore trusted providers, and learn how Griswold Care Pairing can help you navigate the process.

Understanding Long-Term Care Insurance for In-Home Care

Long-term care insurance covers care services when you need help with daily activities due to aging, illness, or disability. Unlike traditional health insurance or Medicare, it covers non-medical home care like personal care, companionship, meal preparation, housekeeping, and medication reminders. These policies let you receive quality home care while staying independent and protecting your savings.

Trusted Long-Term Care Insurance Providers

Griswold Care Pairing works with leading long-term care insurance providers. We handle billing directly, eliminating complex paperwork and reimbursement. Here are some providers we work with:

Genworth: Genworth has been one of the nation’s largest long-term care insurance providers since 2004. They offer comprehensive in-home care coverage and operate through a centralized customer service system. We coordinate claims and billing for policyholders in Chester and Lancaster Counties.

Lincoln Financial: Lincoln Financial Group, founded in 1905, is a Fortune 500 company offering long-term care solutions. They operate through financial advisors and maintain a Pennsylvania presence, with Lincoln Financial Distributors in Radnor. Their policies provide flexible coverage for home care services.

John Hancock: John Hancock holds over 160 years of experience providing insurance solutions. They offer traditional long-term care policies and hybrid life insurance products with long-term care benefits. John Hancock serves Pennsylvania residents through their national network and works with Griswold to coordinate benefits.

Bankers Life: Established in 1879, Bankers Life specializes in insurance for retirees, including long-term care coverage for facility and in-home care. Bankers Life maintains a local office in King of Prussia, where its agents work in the community to help policyholders access benefits.

Why Many Families Don’t Know About This Option

Many families don’t know their long-term care insurance covers non-medical home care. They assume it only applies to nursing homes or assisted living. Others are overwhelmed by the claims process. That’s where Griswold makes a difference.

If you’re looking for in-home care and unsure where to start, call us today. You may qualify for long-term care insurance coverage. Talk to your family about this option.

How Griswold Can Help

Navigating insurance benefits can be confusing. We’ll help you determine if your policy covers our services and guide you through the process. We’ll review your policy, verify coverage, and handle communication with your provider so you can focus on your loved one’s well-being.

Griswold Care Services

Griswold Care Pairing is here to help. Whether you need a few hours of assistance each day, regular weekly support, or around-the-clock live-in care, we can customize a care plan to meet your unique needs. Our care services include personal care assistance, companionship, meal preparation, light housekeeping, transportation, medication reminders, and much more. All of these services may be covered under your long-term care insurance policy.

Contact Us

Contact Griswold Care Pairing to explore home care payment options. We’ll help you navigate long-term care insurance and other options to find the best fit for your family.