Long-Term Care Insurance Carrier Guides

    Each guide summarizes what the carrier or program publishes about starting a claim, documenting a provider, and submitting invoices — and what a licensed Orange County home care agency contributes. Guides are carrier-level: policy forms differ, so always confirm against your own policy.

    CalPERS

    California public-employee long-term care program, administered by illumifin, with home care benefits under existing certificates.

    Last reviewed: August 2026

    FLTCIP

    The Federal Long Term Care Insurance Program for federal employees, retirees, and eligible family members, with defined formal-provider requirements.

    Last reviewed: August 2026

    Genworth

    One of the largest long-term care carriers in the United States, with a defined claim intake, functional assessment, and plan-of-care process.

    Last reviewed: August 2026

    John Hancock

    Long-term care carrier with a published claim process covering benefit eligibility review, provider eligibility, and benefit reimbursement.

    Last reviewed: August 2026

    Northwestern Mutual

    Long-term care coverage with appropriate-provider requirements, provider change requests, and secure submission of claim documentation.

    Last reviewed: August 2026

    Transamerica

    Long-term care policies issued across several decades and policy blocks; claim forms and administration depend on the specific certificate.

    Last reviewed: August 2026

    Additional carrier guides are prepared only after official sources and our own documented experience with that carrier are confirmed. If your carrier is not listed, the care and documentation process is the same — call and we will start from your policy.

    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.

    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.
    Call (949) 630-0487Book