Carrier guide · Orange County

    Using Genworth Long-Term Care Insurance for Home Care

    A Genworth long-term care policy may pay for eligible care at home once the insured meets the policy’s benefit trigger, satisfies any elimination period, and receives services from a provider the policy recognizes. Genworth reviews the claim, arranges an assessment, and approves a plan of care. Golden Age Companions delivers licensed non-medical home care and prepares the provider records and itemized invoices the claim process requests.

    Administered by: Genworth long-term care claims administration

    For families

    I have a Genworth 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 Genworth policyholder

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

    Who this page is for

    • Policyholders
    • Adult children managing a parent’s care
    • Spouses
    • Powers of attorney
    • Conservators and fiduciaries
    • Insurance agents
    • Financial advisors
    • Elder-law attorneys
    • Hospital and rehabilitation discharge professionals
    • Care managers

    What the official Genworth material says

    Summarized from the official sources listed at the bottom of this page. Requirements vary by policy form — always confirm against your own policy.

    How a Genworth claim begins

    • The insured or an authorized representative notifies Genworth that care is needed and opens a claim.
    • Genworth gathers information about the insured’s functional and cognitive status and about the care being arranged.
    • A functional assessment is conducted to establish whether the policy’s benefit trigger is met.
    • A plan of care is developed and reviewed as part of the eligibility decision.
    • Provider information is submitted so Genworth can determine whether the provider meets the policy’s requirements.
    • Approved claims move to ongoing invoicing and periodic recertification.

    Documentation Genworth commonly requests

    Genworth publishes long-term care claim forms on its own claims site, including the initial claim packet, authorization forms, provider information, and forms used for ongoing billing. Requirements differ across policy forms issued over several decades — check the forms indicated for the specific policy rather than assuming a general packet applies.

    • Completed claim form and authorization to release information
    • Attending physician or licensed health care practitioner statement
    • Plan of care
    • Provider information, including licensure and tax identification
    • Itemized invoices showing dates, hours, and services

    CareScout

    Genworth publishes CareScout resources for policyholders, including provider search tools. Membership in any CareScout network is a separate matter determined by CareScout, not by Golden Age Companions. We do not represent that we are part of the CareScout Quality Network.

    Assignment of benefits and how payment reaches the agency

    Genworth policies are commonly reimbursement contracts: the insurer pays eligible expenses up to a daily, weekly, or monthly maximum after services are delivered and documented. Some policy forms allow benefits to be assigned so the carrier pays the provider directly; others reimburse the insured, who then pays the agency.

    Ask Genworth which arrangement applies to your policy form before the first invoice, because it changes how a family budgets the first several weeks of care.

    Keeping the claim open once it is approved

    • Submit invoices on the schedule the carrier specifies rather than in large batches.
    • Keep caregiver shift notes consistent with the approved plan of care.
    • Report changes in condition, hospitalization, or a pause in service promptly.
    • Expect periodic recertification of continued eligibility.

    What Golden Age Companions can help with

    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

    Golden Age Companions is a licensed Home Care Organization (License No. 304700544), not an insurance company, agency, or adviser.

    Documents a family may need

    • Policy number and insured’s identifying information
    • Authorization to release information
    • Power of attorney or authorized-representative documentation
    • Attending physician / licensed health care practitioner statement
    • Plan of care
    • Provider information form, including Home Care Organization license and W-9
    • Itemized invoices with dates, hours, caregiver, and services
    • Assignment-of-benefits form when the policy permits it
    • Proof of payment when required by the policy form

    Requirements vary by policy and carrier. This list is a starting point, not a determination of what your policy requires.

    Questions to ask Genworth

    • 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 questions should be answered by the carrier, its administrator, or a licensed insurance professional — not by a home care agency.

    For referral professionals

    Referring a client with a Genworth long-term care policy

    Advisors and care managers referring a Genworth policyholder usually need provider documentation assembled quickly so the assessment and plan of care are not delayed.

    When authorized and applicable, we can provide:

    • 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
    Refer a policyholder

    Genworth home care questions

    Care we provide

    Where we serve

    Keep reading

    Request a policy review

    A short conversation about what care you need and what your carrier will want to see.

    For insurance and referral professionals

    Documentation packet, intake process, and a named point of contact.

    Official resources

    Information last reviewed: August 2026

    Important disclosure
    Golden Age Companions is not affiliated with, endorsed by, sponsored by, or an agent of Genworth. 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.
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