Long-Term Care Policy
What Is Long-Term Care?
A basic definition: Long-term care is any kind of service a person might need if they are unable to care for themselves, due to illness, disability or Alzheimer’s or other forms of dementia.
Several different services fall under the umbrella of “long-term care.”
- A nursing home or assisted living community
- In-home nursing care or non-medical care
- An adult day care center providing nursing care, therapeutic care, social and educational activities, and/or supervision
- Other services such as hospice care, respite care (to give a family caregiver time off), care after a hospital stay or help with household chores.
Long-term care insurance may pay for all or some of the above services.
Who We Work With
At Cambridge Caregivers, we have worked closely with several reputable insurance companies and a variety of long-term care policies.
While the following list is not exhaustive, it represents some of the companies we work with:
- Genworth
- OneAmerica
- John Hancock
- CNA
- UNUM
- Mass Mutual
- RiverSource
- MetLife
- And more!
Long-Term Care Process
Initial Onboarding & LTC Introduction
- LTC Insurance Overview: Cambridge Caregivers will handle all documentation and communication with your LTC insurance provider, including submitting visit notes and invoices.
- Agency’s Role: We manage the submission of visit notes and ADLs (Activities of Daily Living) directly to your LTC provider via WellSky, our secure tracking system.
Caregiver Documentation Policy
- Caregivers and LTC Forms: Caregivers log all activities and visit notes via the WellSky Mobile App, which are then reviewed by our team.
- Tracking ADLs in WellSky: All ADLs are tracked in WellSky, ensuring accurate reporting for your LTC claim. You do not need to submit any forms or invoices.
Filing Claims and Submitting Documentation:
- No Client Submission Required: You are not required to submit claims or invoices. We handle all documentation and submission to your LTC insurance provider.
- Visit Notes and Invoices: After each caregiving visit, visit notes and ADLs are automatically updated in WellSky, ensuring everything is ready for your LTC claim.
Timely Submission & Reimbursement
- What to Expect:
- We submit visit notes and ADLs to your LTC provider using WellSky.
- Your LTC company reviews the submission and processes the claim.
- You will be notified when the claim is processed, and reimbursement will be made according to your policy.
- Communication with LTC Provider: If additional information is needed, we will handle communication and follow-up with your LTC insurance company.
Contact
If you have any questions, please reach out to us at: [email protected]
To learn more about Long-Term Care, check out our white paper by downloading it from the link below!
