Who pays for the assessment?

Assessments arranged as part of a claim are typically arranged by the carrier or its administrator. Ask the carrier.

Can a caregiver be present?

That is up to the assessor and the family. A family member who knows the daily routine is usually the most useful person in the room.

What if the assessment happens on a good day?

Bring the log. A written record of the previous two weeks gives the assessor context that a single visit cannot.

Assessments

Care assessments and CareScout resources

Most long-term care claims include an assessment of the insured’s functional and cognitive status, used to test the policy’s benefit trigger and to shape the plan of care. CareScout publishes resources and provider tools referenced by Genworth policyholders. Golden Age Companions makes no claim of CareScout network membership and does not conduct or influence assessments.

What happens in an assessment

A nurse or assessor reviews the insured’s ability to perform activities of daily living.
Cognition is evaluated, often with standardized screening.
The home environment and fall risk are observed.
Current care arrangements and support from family are documented.
Findings inform the benefit determination and the plan of care.

How to prepare

Have a family member present who sees the person on typical days.
Keep a two-week log of what help was actually given and when.
List medications, recent falls, hospitalizations, and physician contacts.
Do not tidy away the evidence of difficulty — the grab bars, the shower chair, the pill organizer all tell the assessor something true.
Answer honestly. Coaching an assessment damages credibility across the whole claim.

A note on CareScout

CareScout publishes provider search resources referenced by some Genworth policyholders. Membership in any CareScout network is determined by CareScout. We do not state or imply that we are a member of the CareScout Quality Network.

For families

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.

For professionals

Refer a policyholder

Agents, advisors, fiduciaries, attorneys, care managers, and discharge planners can send a referral and receive provider documentation for the file.

Common questions

Keep reading

Carrier guides

Official resources

CareScout resources for Genworth policyholders

Information last reviewed: August 2026

Important disclosure

Golden Age Companions is not affiliated with, endorsed by, sponsored by, or an agent of any insurance carrier, program, or administrator named on this site. Carrier and program names are used only to identify the policy a family may hold. Coverage, eligibility, benefit amounts, provider approval, elimination periods, and reimbursement are determined solely by the individual policy and its administrator. Golden Age Companions provides non-medical home care and administrative claim support; it does not sell insurance or provide insurance, legal, tax, or financial advice.