If you purchased long-term care insurance years ago, you may wonder whether it pays for a caregiver at home — not only for facility care.
Many policies cover hands-on help with activities of daily living (ADLs): bathing, dressing, grooming, mobility, toileting, and similar non-medical support. Coverage depends on your contract, benefit triggers, and elimination period.
Start with your policy summary
Before scheduling care, gather your carrier contact information, daily benefit amount, elimination period, and any ADL or cognitive trigger language. Tri-State coordinators use this to align expectations — we do not provide legal or financial advice.
Match care to what insurers expect
Carriers often review a written care plan, ADL assessment, and itemized invoices. Our team documents non-medical visits accordingly and bills your insurer directly when your policy and authorization allow.
Next steps
Call Tri-State Home Care Services or use our long-term care insurance page to discuss your address, schedule, and documentation needs. Confirm all coverage details with your carrier.