Understanding If Your Long-Term Care Insurance Pays for Home Care Services 

Many families prefer in-home care because it allows loved ones to stay comfortable and independent at home. A common question, however, is whether long-term care insurance (LTCI) will pay for these services. In many cases, it does—though coverage depends on what your specific policy includes. 

Most LTCI plans help with everyday support, especially when someone needs assistance with Activities of Daily Living. This often means coverage for personal care such as bathing, dressing, toileting, and mobility. Many policies also include homemaker services like meal preparation or light housekeeping, and some extend to skilled care when medically necessary, such as nursing or therapy. 

Coverage typically begins once two conditions are met: the policyholder needs help with at least two daily activities or has a qualifying cognitive impairment, and the elimination period—usually 30 to 90 days—has been completed. After this, the policy can start reimbursing approved services. 

Insurance companies may also have rules about who can provide the care. Many require a licensed home care agency or certified caregivers. While some policies reimburse independent caregivers, not all do, so it’s important to check your plan. Services that are often not covered include: 

• 24/7 live-in care (unless specifically stated) 

• Home modifications, such as ramps or grab bars 

• Care provided by immediate family members 

Because each policy is different, reviewing your benefits or calling your insurer directly is the best way to understand what’s included, what’s excluded, and how to get the most out of your long-term care coverage. 

Conclusion:

Long-term care insurance can help pay for home care, but every policy is different. Reviewing your benefits—or calling your insurer—will help you understand exactly what’s covered, what’s not, and how to get the most from your plan. If you are interested about homecare services in the Temecula, Murrieta, and Menifee greater areas, please visit our website at  www.griswoldcare.com/greater-temecula, call/text 951-281-0681, or email nolan.chandler@griswoldhomecare.com.