Does Entrust accept my long-term care insurance directly?

Where a policy allows it, we can bill your insurance company directly for care. In other cases, we help you submit for reimbursement and provide the documentation your insurer requires.

What is an elimination period?

An elimination period is a waiting period, often around 90 days, during which the policyholder must receive and typically pay for covered care before insurance benefits begin. It works like a deductible measured in days rather than dollars.

Insurance Support

Long-Term Care Insurance

If your loved one has a long-term care insurance policy, it may cover some or all of the cost of home care — but filing a claim can be confusing and time-consuming. Entrust Senior Care has an established track record helping families verify benefits, complete paperwork, and get care started without the runaround.

What Is LTC Insurance?

A policy built for exactly this

Long-term care insurance is designed to help cover the cost of personal care and support — like the kind we provide — when a policyholder can no longer safely manage daily activities on their own, whether due to a physical limitation or cognitive decline.

Every policy is different, and the fine print determines what's actually covered and when. That's where we come in: we help you understand your specific policy, not just LTC insurance in general.

Ask About Your Policy

How We Help

We handle it, start to finish

Benefit Verification

We review your policy with you to confirm what's actually covered — the daily or monthly benefit amount, the elimination period, and exactly what triggers your benefits.

Claims Paperwork

We complete and submit the claim forms, care documentation, and provider records your insurer requires — so you're not stuck deciphering forms during an already stressful time.

Direct Billing & Insurer Coordination

Where policies allow it, we bill your insurance company directly for care, rather than leaving your family to pay out of pocket and wait on reimbursement.

Good to Know

A few terms worth understanding

Benefit Triggers: Most policies pay out once a licensed health care practitioner certifies that the policyholder needs help with two or more activities of daily living (bathing, dressing, eating, toileting, transferring, or continence), or has a severe cognitive impairment requiring supervision.
Elimination Period: This is a waiting period — often around 90 days, though it varies by policy — during which the policyholder must receive and typically pay for covered care before benefits begin. Think of it like a deductible measured in days, not dollars.
Licensed Caregiver Requirements: Many policies only pay for care delivered through a licensed home care agency, not informal or private caregivers. As a licensed agency, Entrust's care is structured to meet this requirement.
Ongoing Documentation: Insurers typically require detailed, dated records of care provided to keep benefits flowing — we maintain this documentation as part of your care plan.

Getting Started

How this works with Entrust

Share Your Policy

Send us your long-term care insurance policy details, and we'll review the specifics with you — no obligation.

We Verify Your Benefits

We contact your insurer directly to confirm your coverage, elimination period, and daily or monthly benefit amount.

We Handle the Paperwork

We complete and submit your claim, coordinate billing with your insurer where possible, and keep the documentation current as care continues.

Why Entrust

Why choose Entrust Senior Care for insurance support

We've been doing this long enough to know that long-term care insurance is often the resource families overlook or assume is too complicated to use. We've built a track record helping policyholders and their families actually put those benefits to work, rather than letting them sit unused behind confusing paperwork.

If your family has an LTC policy — whether you're confident about what it covers or have no idea where to start — reach out and we'll walk through it with you.