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

Long-term care insurance

Have a policy? We'll make sure paperwork isn't the reason your claim stalls.

Name: Endurance Home Care, Short Hills
Address: 788 Morris Turnpike, Suite 201, Short Hills, NJ, 07078, US
Telephone: (973) 315-5323

If your parent took out long-term care insurance years ago, now may be the time it helps. Your family can use the policy toward care at home, and we handle the care-plan documentation insurers ask for from the first day of care, so it isn't one more thing to sort out alone.

Request a call Call our care team (203) 936-6847

How does Endurance help families with long-term care insurance?

Endurance is private pay, so we don’t bill insurance companies directly. Families with a long-term care insurance policy can use it toward their care, and we help with the policy paperwork: we read the policy with you, write the care plan in terms a claim can use, keep consistent records of visits, hours, tasks and caregivers, and provide invoices and care records when your carrier asks for them. What a policy pays depends on the policy itself, so it’s worth a call to the insurance company early on.

How it works

Care at home, with a policy in the picture

Tell us about the help that's needed
Call or send a request. Tell us what's been getting harder at home, and mention that there's a long-term care insurance policy.
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. We read your policy with you, we can sit in on the call with the carrier, and we write the four answers down so nobody relies on memory.
Understand the elimination period
Most policies don't pay from day one. There's a waiting period, often measured in days of care received rather than days elapsed. The carrier defines it, and we help you count it correctly, with a start date and a projected first-payment date.
A care plan written for the claim
A registered nurse visits at home and writes the care plan with your family, with the claim requirements in view. Endurance is private pay, so your family pays us and the policy is used toward the cost.
The records the carrier will ask for
Visit logs, hours, tasks performed, caregiver identity and invoices, kept in a consistent, claim-ready format as a matter of course. When a claim comes back with questions, we send over whatever documentation of the care we have, promptly, for as long as care continues.

Questions about paying with a policy

Can we use a long-term care insurance policy for care at home?

Yes. Families with a long-term care insurance policy can use it toward care from Endurance, and we'll help with the policy paperwork. What a policy pays depends on that policy, so we read it with you, and it's worth asking your insurance company about the benefit amount and the waiting period before benefits begin.

What do you do to help?

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

Do you bill the insurance company directly?

No. Endurance is private pay. Most long-term care policies reimburse the policyholder instead of paying a provider, so the usual arrangement is that your family pays us and claims it back. Some policies do assign benefits, so check yours. We'll help with the paperwork along the way.

What questions should we ask the insurance company?

Ask how much the policy pays and for how long, how long the waiting period is before benefits begin, and what it needs to see before it starts paying. Having those answers written down makes the next conversation much easier.

Does Medicare pay for this kind of care?

Medicare doesn't pay for ongoing daily help at home. Our guide to Medicare and home care explains what it does cover.

Do we come to you?

We work across Connecticut, New Jersey and New York, by the hour, overnight, live-in or around the clock. In Connecticut, hourly, overnight and 24-hour care are available in Fairfield and New Haven counties, and live-in care is available in every county. In New York, companion care by the hour, overnight or around the clock is available in Westchester County and Manhattan, and live-in companion care is available in every county. Find your county on the map, or just call and ask about your town.

Companion and personal care
Companion care, any schedule
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Companion and personal care

In Connecticut, hourly, overnight and 24-hour care are available in Fairfield and New Haven counties, and live-in care is available in every county.

Companion care, any schedule

In New York we provide companion care only: company, meals, errands, appointments and someone watching out for your parent. In New York, companion care by the hour, overnight or around the clock is available in Westchester County and Manhattan, and live-in companion care is available in every county.

We serve every town in every county shown. Find your town or tell us the address when you call.

Talk with our care team

Let's talk about care and the policy

Share where care is needed and how to reach you, and mention the policy. We'll call to talk it through. The first conversation is free, and nothing starts until you say so.

In New Jersey, call (973) 315-5323.

Let's talk about the help you need

Tell us what has been getting harder at home. We'll listen, talk through the options with you and explain what care would look like. The first conversation is free, and nothing starts until you say so.

Request a call Call (203) 936-6847

You don’t need to know exactly what to ask. Start with what’s happening at home.