Reviewing your policy and verifying benefits
Filing a long-term care insurance claim can quickly turn into a part-time job. Between claim forms, physician statements, RN assessments, care notes, invoices, and ongoing requests from the insurance company, many families feel overwhelmed before benefits even begin.
CareWorks Health Services offers free long-term care insurance claims processing for clients receiving home care services. We help review benefits, initiate claims, gather documentation, submit paperwork, and communicate with the insurance company so you don’t have to manage the process alone.
In many cases, we can also bill and collect directly from the insurance company when Assignment of Benefits is available.
Not sure what your policy covers? Learn more about using long-term care insurance benefits for home care.
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What We Handle For You | Why Families Choose CareWorks | Insurance Companies We Work With | Frequently Asked Questions | Request a Free Benefits Review
Understanding long-term care insurance benefits can be overwhelming. CareWorks helps families navigate claims, paperwork, and benefit verification so they can focus on their loved one’s care.
Free Long-Term Care Insurance Claims Processing for Home Care Clients
CareWorks provides free long-term care insurance claims processing for home care clients throughout Orange County. We help families verify benefits, complete paperwork, submit documentation, and navigate the claims process from start to finish.
What We Handle For You
When you work with CareWorks, our team can assist with:
Our goal is simple: help you access the benefits you’ve been paying for while reducing the paperwork and frustration that often come with the claims process.
Request a Free Long-Term Care Insurance Benefits Review
Not sure what your policy covers or whether benefits are available? We'll review your policy and help you understand your options.
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Why Families Let Us Handle Their LTC Insurance Claims
Insurance companies don’t make filing claims easy, but we do:
- Free Claim Processing: No hidden fees—our services are completely free.
- We verify benefits directly with the insurance company.
- Expert Policy Review: We explain your coverage so you understand exactly what’s included.
- We help complete claim forms and gather supporting documents.
- Explanation of Next Steps and Action Plan
- Advocacy You Can Count On: We fight for your benefits and handle any insurer pushback.
- Hassle-Free Communication: We manage the paperwork and back-and-forth so you don’t have to.
- We offer direct billing options when Assignment of Benefits is available.
After helping hundreds of seniors and families file long-term care insurance claims, we’ve learned where claims get delayed, what documentation insurance companies require, and how to keep the process moving.
Families who need ongoing assistance beyond the initial filing can also learn about our long-term care insurance claims management services.
Frequently Asked Questions
Is there a cost for LTC insurance claims filing?
No. CareWorks provides long-term care insurance claims filing and assistance at no cost for clients receiving home care services through our agency.
Do I need to contact the insurance company myself?
Not necessarily. We can call the insurance company with you or arrange a conference call to verify benefits.
In most cases, the policyholder must be on the call to authorize the insurance company to discuss policy details. If the policyholder is unable to participate, you may need Power of Attorney (POA) or be listed as an authorized contact on the insurer’s disclosure form.
Having us on the call helps ensure the right questions get asked. Sometimes the answer provided by a claims representative isn’t clear or doesn’t tell the whole story. We often ask follow-up questions to clarify important details such as eligibility requirements, elimination periods, and available benefits.
Can you help if I haven’t started a claim yet?
Yes. In fact, many families contact us before opening a claim when they start caregiver services with our home care agency. We can review your policy, explain your benefits, and help you understand the steps required to begin using your long-term care insurance benefits.
How long does it take to verify my benefits?
It takes about 15 to 30 minutes once we are on the phone with the claims rep.
The bigger variable is reaching the right person and getting complete answers. Many long-term care insurance companies operate on East Coast business hours, which is why we typically call between 10 a.m. and 1 p.m. Pacific Time.
If a representative can’t answer our questions or provides unclear information, we’ll often call back and continue following up until we have the information needed to properly explain your benefits.
If you believe your claim is being handled improperly, the California Department of Insurance Senior Resources Program offers information and assistance for consumers navigating insurance-related concerns.
Not Sure Where to Start?
Many families contact us because they know they have long-term care insurance but aren’t sure what the policy covers, whether they’re eligible for benefits, or what paperwork is required.
That’s exactly what we’re here for.
Our team can help review your benefits, explain your options, and take the guesswork out of the claims process.
CareWorks proudly assists seniors and families throughout Orange County, CA including Huntington Beach, Irvine, Newport Beach, Mission Viejo, and Laguna Woods.