Use the policy you already own to help fund care at home.
If your parent purchased long-term care insurance years ago, the policy may help pay for eligible care at home. Golden Age Companions provides licensed, non-medical home care and helps families organize the provider documentation, care records, and itemized invoices commonly requested during an LTC claim.
Coverage, benefit eligibility, elimination periods, provider requirements, and reimbursement are determined by the individual policy and insurance carrier. Golden Age Companions does not sell insurance or decide whether a claim is approved.
How long-term care insurance may help pay for home care
A long-term care policy is not health insurance. It exists to pay for help with everyday living — bathing, dressing, transferring, supervision for someone with dementia — in whatever setting the policy allows, including the person’s own home.
Benefits generally begin once the insured meets the policy’s benefit trigger, any elimination period is satisfied, and services are delivered by a provider the policy recognizes and documented in the detail the carrier requires. The last part is where most families lose time, and it is the part we handle every week.
Find your carrier
Carrier-specific guides for the policies Orange County families most often hold.
California public-employee long-term care program, administered by illumifin, with home care benefits under existing certificates.
Read the home care guideOne of the largest long-term care carriers in the United States, with a defined claim intake, functional assessment, and plan-of-care process.
Read the home care guideLong-term care carrier with a published claim process covering benefit eligibility review, provider eligibility, and benefit reimbursement.
Read the home care guideLong-term care coverage with appropriate-provider requirements, provider change requests, and secure submission of claim documentation.
Read the home care guideThe Federal Long Term Care Insurance Program for federal employees, retirees, and eligible family members, with defined formal-provider requirements.
Read the home care guideLong-term care policies issued across several decades and policy blocks; claim forms and administration depend on the specific certificate.
Read the home care guideClaims are opened by phone and handled in-house by a Mutual of Omaha care coordinator; assignment of benefits to a provider is permitted in writing.
Read the home care guideClaims open through the Long-Term Care Center in a MyNYL account or by phone with a benefit specialist; a plan of care and daily visit documentation are required.
Read the home care guideHow Golden Age assists
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
The claim, in eight steps
- 1Notify the carrier
Open the claim and confirm the policy is in force.
- 2Complete the claim packet
Including the authorization that lets the carrier speak with whoever is managing the file.
- 3Practitioner certification
A physician or licensed practitioner documents the need for care.
- 4Care assessment
An assessor evaluates function and cognition against the policy’s benefit trigger.
- 5Plan of care
A written plan describing the services to be delivered.
- 6Provider eligibility
The agency supplies licensing, tax, and business documentation.
- 7Elimination period
The waiting period, if any, is satisfied.
- 8Invoices and recertification
Itemized invoices are submitted on the carrier’s cycle and eligibility is periodically reconfirmed.
Understand the mechanics
Itemized invoices and care documentation
Our LTC invoices show the insured’s name, service dates, the start and end time of each shift, hours, the caregiver, the rate, and the services delivered, alongside our Home Care Organization license and tax identification.
Shift notes are retained for the length of the engagement, so recertification and retroactive documentation requests can be answered from records rather than memory.
Questions to ask your carrier
- 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 should be answered by the carrier or a licensed insurance professional.
Information for agents, advisors, fiduciaries, attorneys, and discharge planners
When authorized and applicable, we provide the documentation your file needs and a single named point of contact for the duration of the engagement.
- 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
Frequently asked questions
Carrier-specific and claim-process questions, each linked to the guide that covers it in full.
I have a 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.
Official resources
- California Department of Insurance — long-term care information
- California Home Care Services Bureau
Information last reviewed: August 2026