Long Term Care Insurance
Do you have a long term care insurance (LTCI) policy?
What’s the correct answer to this question? Sometimes it can be tough to tell. You or a loved one may have taken out an LTCI policy years ago without mentioning it to anyone or giving it much thought. But for older adults and their loved ones, it’s worth finding out, because LTCI can help pay for a range of long term care services.
Who is Mariclair, and what does she do?
Mariclair is our in-house Long-Term Care (LTC) Insurance Coordinator. She’s your dedicated guide to understanding, activating, and maximizing your LTC benefits. Her role is to help clients, and their families navigate every step of the LTC process, from policy review to reimbursement.
FAQ: Navigating Long-Term Care Insurance with Mariclair, Our LTC Champion at Home Instead
- When does Mariclair get involved in the LTC process?
As soon as a client indicates they have an LTC policy, Mariclair is introduced. She promptly reaches out to begin a no-cost policy review and works with you or your POA to ensure everything is aligned for claim submission and coverage approval.
- What exactly does she help with?
Mariclair provides hands-on, personalized support with:
- 📋 Interpreting your policy and identifying covered services
- 📆 Tracking elimination periods and benefit triggers
- 🧾 Coordinating with Home Instead/s care managers for required documentation
- ✅ Ensuring our care notes meet reimbursement standards
- 📤 Submitting claims and maintaining ongoing claim schedules
- Does she help with reimbursements?
Absolutely. Mariclair ensures your care logs, invoices, and documentation are complete and properly submitted, helping you receive timely and accurate reimbursements.
- Will she talk to my LTC insurance company directly?
With your permission, yes. Mariclair will communicate directly with your insurer, helping clarify benefits, answer questions, and advocate on your behalf.
- Is there an extra cost for this service?
There is an initial onetime only $150 fee, however after that No. Mariclair’ s support is part of the exceptional care coordination Home Instead provides at no extra charge for each billing cycle you are on care with Home Instead.
- How do I get started with LTC support?
Just let us know you have a long-term care policy. Mariclair will reach out for a consultation to review your policy and create a care strategy that works with your benefits.
- What makes Mariclair different?
Clients say Mariclair combines knowledge, diligence, and kindness. She doesn’t just help with paperwork, she ensures you’re using every dollar of your benefit and that nothing gets overlooked.
- Need help with LTC insurance?
Call our office and ask for Mariclair—your Home Instead LTC Champion.
Disclaimer: Not all Long‑Term Care (LTC) policies are eligible for Home Instead services. Benefit availability and reimbursement depend on the specific terms of each policy. Policy review by our LTC Coordinator is for guidance only and does not guarantee approval or payment by your insurer.