Some existing CalPERS Long-Term Care policies may help pay for eligible care at home when the participant meets the policy’s benefit and provider requirements. The CalPERS Long-Term Care Program is administered by illumifin. Golden Age Companions can provide licensed non-medical home care and help organize provider records and invoices, but CalPERS and illumifin determine coverage and claim eligibility.
Administered by: illumifin (third-party administrator for the CalPERS Long-Term Care Program)
Request a no-cost policy review conversation, or call and speak with someone who has handled long-term care documentation before.
Summarized from the official sources listed at the bottom of this page. Requirements vary by policy form — always confirm against your own policy.
CalPERS sponsors the Long-Term Care Program for California public employees, retirees, and eligible family members. Day-to-day servicing — certificate questions, claim intake, benefit determinations, and payments — is handled by the program’s third-party administrator, illumifin. Families are generally directed to the program’s service line rather than to a local CalPERS regional office for claim matters.
CalPERS Long-Term Care certificates describe the categories of provider whose services may be eligible. In California, home care agencies are licensed as Home Care Organizations and their caregivers are registered Home Care Aides. Expect the administrator to request the agency’s license information, tax identification, and itemized invoices showing dates, hours, caregiver, and services delivered.
Enrollment in the CalPERS Long-Term Care Program is closed to new applicants; this page is written for families who already hold a certificate.
Most of the families who reach us about CalPERS bought the coverage decades ago — a teacher, a county employee, a state worker who signed up during an open-enrollment window and filed the paperwork away. The person who bought it is now in their eighties, the certificate is in a drawer, and nobody is certain what it covers.
Start with the certificate itself. Benefit amounts, elimination periods, inflation protection, and the provider categories that qualify all vary by the year of purchase and the options that were elected. Two CalPERS participants in the same Orange County neighborhood can hold certificates with materially different home care terms.
illumifin is the administrator that receives claim forms, coordinates the care assessment, issues benefit determinations, and processes payment. When we prepare documentation for a CalPERS family, it is generally illumifin — not CalPERS itself — that receives the invoices and provider records.
Only the administrator can tell you what your certificate requires. We do not interpret certificate language or predict determinations.
Home care invoicing for an LTC claim is more detailed than a normal family invoice. Ours show the certificate holder’s name, the service dates, the start and end time of every shift, the caregiver, the hourly rate, and the services delivered on that shift, together with our Home Care Organization license number and tax identification.
We keep these records for the length of the engagement so that recertification requests and retroactive documentation requests can be answered without reconstructing months of care from memory.
We work regularly with fiduciaries, conservators, elder-law attorneys, and retirement advisors whose clients hold CalPERS certificates. When written authorization is in place, we can supply provider documentation directly to the authorized representative and keep a single point of contact for the file.
Golden Age Companions is a licensed Home Care Organization (License No. 304700544), not an insurance company, agency, or adviser.
Requirements vary by policy and carrier. This list is a starting point, not a determination of what your policy requires.
These questions should be answered by the carrier, its administrator, or a licensed insurance professional — not by a home care agency.
Public-employee retirement advisors, fiduciaries, and elder-law attorneys frequently manage CalPERS certificates on behalf of a client who can no longer manage the paperwork.
When authorized and applicable, we can provide: