Carrier guide · Orange County

    Using a New York Life Long-Term Care Policy for Home Care

    A New York Life long-term care claim is started through the Long-Term Care Center inside a MyNYL account or by phone with a New York Life long-term care claim benefit specialist. Benefits require a licensed health care practitioner’s certification of chronic illness and a plan of care, and ongoing care is documented on the company’s daily visit notes and care log. Golden Age Companions provides licensed non-medical home care in Orange County and keeps that documentation from the first shift.

    Administered by: New York Life long-term care claims are serviced through the company’s long-term care claims department and policyholder portal

    For families

    I have a New York Life 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 New York Life policyholder

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

    Next actions

    The claims process, step by step

    What to do at each stage of a New York Life home care claim, and what documentation we supply. Jump straight to the stage you are on.

    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 New York Life 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 claim is opened

    New York Life’s published long-term care claim FAQ directs policyholders to begin a claim through the Long-Term Care Center in a MyNYL account, or by calling a New York Life long-term care claim benefit specialist. Completed claim documents and invoices go to the long-term care claims department in St. Paul, Minnesota, or by fax as listed on the company’s own forms.

    What makes a claimant eligible

    • Certification within the last 12 months by a licensed health care practitioner that the insured is chronically ill, as defined under IRC §7702B(c)(2)
    • Unable to perform, without substantial assistance, at least two of six activities of daily living for an expected period of at least 90 days
    • Or requiring substantial supervision to protect against threats to health and safety due to severe cognitive impairment
    • A plan of care developed by a licensed health care practitioner or multidisciplinary team — benefits are not payable without one
    • An assessment may be required to certify or recertify chronic illness, generally no more than once every 12 months

    Elimination period

    • Begins on the first day the eligibility requirements are met and expenses for qualified long-term care services are incurred
    • Days need not be consecutive
    • Days paid by another payor, such as Medicare, count toward satisfying it
    • Satisfied once for the life of the policy

    What the policy expects of a home care agency

    The New York Life long-term care policy defines a home health care agency as an entity properly state licensed to provide home health care to chronically ill individuals for an hourly or daily charge, where the state requires licensure. Golden Age Companions is a California-licensed Home Care Organization, License No. 304700544.

    Ongoing documentation

    New York Life publishes a Daily Visit Notes and Care Log form for download. Care is recorded on that log and returned with the invoice to the long-term care claims department. We complete it from the first shift so nothing has to be reconstructed later.

    What we can do today

    • Begin licensed non-medical home care in Orange County, typically within 24–72 hours
    • Document every shift from day one for later claim submission
    • Supply HCO license 304700544, W-9, and certificate of insurance
    • Complete the New York Life daily visit notes and care log alongside itemized invoices

    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
    • Authorized-representative documentation
    • Claim documents obtained through the Long-Term Care Center or a benefit specialist
    • Licensed health care practitioner certification of chronic illness
    • Plan of care developed by a licensed health care practitioner or care team
    • Daily visit notes and care log
    • Provider documentation — HCO license, W-9, certificate of insurance
    • Itemized invoices with dates, hours, and services

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

    Questions to ask New York Life

    • 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 New York Life long-term care policy

    For a New York Life policyholder, confirm at intake whether the family has a MyNYL login for the Long-Term Care Center, and who the assigned benefit specialist is. Plan-of-care documentation and the daily visit log are the two items that most often delay reimbursement.

    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

    New York Life 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 New York Life. 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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