How to Use Long-Term Care Insurance (LTCI) for Private Home Care in Georgia

### Unlocking Your Family’s LTCI Benefits Many older adults invested in Long-Term Care Insurance (LTCI) decades ago. However, when the time comes to activate the policy, navigating benefit triggers and claim submission can feel confusing. ### 3 Key Steps to Activating LTCI for Home Care: 1. **Check the Benefit Trigger**: Most LTCI policies trigger coverage when the policyholder needs assistance with at least two ADLs (such as bathing, dressing, or transfers) or has certified cognitive impairment (dementia/Alzheimer's). 2. **Understand the Elimination Period**: Most policies have an "elimination period" (typically 30, 60, or 90 days) during which care is paid out-of-pocket before insurance reimbursement starts. 3. **Verify Agency Licensing**: In Georgia, LTCI carriers require care to be provided by a properly state-licensed, bonded, and insured non-medical home care agency. ### How TomLee Simplifies Your Claims We provide complete, compliant documentation: * Detailed daily caregiver notes & shift logs * Itemized invoices formatted to carrier specifications * Dedicated assistance communicating with policy claims coordinators Contact our intake team today to review your LTCI policy details and schedule care.