A caregiver carrying a bowl beside an older woman chopping vegetables at a kitchen counter.

Care options

We cannot tell you what your policy pays. We can make sure paperwork is not the reason it does not.

Coverage is between you and your carrier. Documentation is where claims actually stall, and documentation is something we can do properly from the first day of care rather than reconstruct later.

Get My Care Plan Call about care now

How does Endurance help with long-term care insurance?

We help with documentation, not coverage. That means writing the care plan in terms a claim can use, keeping consistent records of visits, hours, tasks, and caregivers, and providing invoices and care records when your carrier asks for them. Whether a policy pays, and how much, is determined by that policy and your carrier.

The process

Five steps, in the order that avoids the expensive surprises

Read the policy before anything else
Benefit amount, elimination period, what the policy counts as a qualifying need, and whether it requires a licensed agency or accepts any provider. Those four determine most of what follows, and they differ wildly between policies written a decade apart.
Who owns it
You, with the carrier. We can sit in on the call.
What you receive
A written note of the four answers, so nobody relies on memory
Understand the elimination period
Most policies do not pay from day one. There is a waiting period, often measured in days of care received rather than days elapsed, and families routinely misjudge it by weeks. It is usually the biggest cash-flow surprise in the whole process.
Who owns it
The carrier defines it. We help you count it correctly.
What you receive
A start date and a projected first-payment date
Set the care plan up to be documentable
Insurers ask for evidence that the care delivered matched the need claimed. Getting the plan written in those terms at the start is far easier than reconstructing it from six weeks of memory later.
Who owns it
The care advisor
What you receive
A care plan written with the claim requirements in view
Keep the records the carrier will ask for
Visit logs, hours, tasks performed, caregiver identity, and invoices, in a consistent format, produced as a matter of course rather than assembled in a panic.
Who owns it
The office, ongoing
What you receive
Care records and invoices in a claim-ready format
Submit, and handle the questions
Claims come back with queries. We provide whatever documentation of the care we hold, promptly. What we cannot do is argue coverage with your carrier, because that is between you and them.
Who owns it
You and the carrier, with our records behind you
What you receive
Documentation on request, for as long as care continues

What we will not say

No coverage promise, in either direction

Including the optimistic version, which is the one that does the damage.

It is easy to say your policy will probably cover this. It closes the sale and it is not ours to say. Policies written in the 1990s behave very differently from ones written last year, some require a state-licensed agency of a type we may or may not match in your state, and elimination periods routinely cost families several thousand dollars they had not planned for. Read the policy, ask the carrier the four questions above, and then decide.

Questions about paying with a policy

Will my long-term care policy pay for your services?

That depends entirely on your policy, and we are not able to tell you. Policies differ on benefit amounts, elimination periods, what counts as a qualifying need, and whether they require a particular kind of agency. Any provider who tells you your insurance will cover it before reading your policy is guessing with your money.

What do you actually do to help?

Documentation. We write the care plan in terms a claim can use, keep visit records, hours, tasks, and caregiver detail consistently, and provide invoices and records when the carrier asks. Most claim friction is documentation friction, and that part we can genuinely help with.

Does Medicare pay for this kind of care?

Medicare does not pay for ongoing custodial or home care. It covers limited, medically necessary home health services under specific conditions, which is a different service from what we provide. The Medicare pages set out the current rules directly.

Can you bill my insurer directly?

Most long-term care policies reimburse the policyholder rather than paying a provider, so the usual arrangement is that you pay us and claim it back. Some policies do assign benefits. Check yours, because it changes your cash-flow planning considerably.

Do we come to you?

Full daily-living care in Connecticut and New Jersey, companion care only in New York. Coverage runs by town, so check yours before you call.

Full daily-living care
Companion care only
Not served

Full daily-living care

Companion care only

Westchester County, NY

New York is companion care only. We do not hold a New York State licence and do not provide hands-on personal care there, such as bathing, dressing, toileting or transfers.

Coverage is by town rather than by county line, and the honest answer for a specific address is sometimes no. Check your town or ask when you call.

You do not need every answer today. You need the right next conversation.

Tell us what changed. We will tell you what we think fits, what it would cost, and honestly whether we are the right people for it.