Maximize Long-Term Care Insurance for Home Care

Serving New Hanover, Brunswick, Pender, and Onslow Counties

If you or a loved one have a long-term care insurance policy, you may already have coverage that can help pay for professional care at home. Many families assume their policy only applies to nursing homes or assisted living. In reality, most long-term care policies can help cover in-home senior care services, allowing older adults to remain safe, comfortable, and independent in the place they love most — home.

Does Your Long-Term Care Insurance Cover Home Care?

Many policies do cover in-home care services, including:

Personal care assistance
Help with bathing, dressing, and grooming
Meal preparation and light housekeeping
Medication reminders
Companionship and supervision
Transportation to appointments and errands
Alzheimer’s and dementia care support

How We Help You Use Your Benefits

Policy Review Assistance: We help you understand what your policy may cover.
Benefit Eligibility Guidance: We help determine when and how benefits may begin.
Care Documentation: We provide the documentation most insurance companies require.
Flexible Care Plans: Services can often begin with just a few hours per week and adjust as needs change.

Frequently Asked Questions

When do long-term care insurance benefits start?

Most policies begin once a person needs help with two activities of daily living (such as bathing or dressing) or has a cognitive impairment like dementia.

Does Home Instead bill insurance directly?

Some policies reimburse the client, while others allow assignment of benefits. Our team helps guide families through the process.

Can care start before insurance approval?

Yes. Many families start services immediately and then receive reimbursement once benefits begin.

How much care can long-term care insurance cover?

Coverage varies by policy, but many policies cover a daily or monthly benefit amount for in-home care services.

Signs It May Be Time to Use Your Long-Term Care Benefits

Difficulty bathing or dressing
Trouble preparing meals
Memory loss or confusion
Increased fall risk
Loneliness or isolation
Missed medications or appointments

Start The Conversation Today

Understanding your long-term care insurance benefits could help make quality in-home care more affordable than you may think. Let us help you explore your options.

Full Name * Phone * Email * Zip Code * Are you currently using long-term care insurance? *

(910) 421-2565

2505 S 17th St STE 110
Wilmington, NC 28401