Long Term Care Insurance
Put your long-term care insurance to work
Resource One is a PSSA-licensed provider accepted by most LTC insurance policies. We produce the claim documentation so you can focus on care, not paperwork.
You paid premiums for years. Now the claim process feels like a second job — elimination periods, ADL documentation, assignment-of-benefits forms, reimbursement deadlines. Most families give up and self-pay.
Why families choose Resource One for Long Term Care Insurance
PSSA license meets most LTC policy provider requirements
Detailed care logs, time sheets, and ADL documentation prepared for claims
Direct billing to your insurer when assignment of benefits is available
Coordination with your carrier on policy-specific provider rules
Care scheduled within your daily or monthly benefit caps, with a plan for overages
What we provide
- ✓Personal care aide services covered under your policy
- ✓Homemaker and companion care
- ✓Detailed care logs, time sheets, and documentation for claims
- ✓Direct billing to your insurer when assignment of benefits is available
- ✓Coordination with your insurance provider on coverage and requirements
- ✓Flexible scheduling within your policy's daily or monthly benefit limits
Who qualifies
Individuals with an active long term care insurance policy whose benefits have been triggered — typically requiring assistance with two or more activities of daily living (bathing, dressing, toileting, transferring, continence, or eating) or having a cognitive impairment diagnosis. Most policies have a 30 to 90 day elimination period before benefits begin.
How to start
Pull your policy details — daily or monthly benefit, elimination period, covered services.
Call us for a free in-home assessment and policy verification at no cost.
We coordinate with your carrier and start services once benefits trigger.
Common questions about Long Term Care Insurance
Will my LTC insurance actually cover home care with Resource One?
Most long-term care policies sold after the 1990s cover licensed home care providers like Resource One. We'll review your policy's provider requirements and confirm coverage before services begin — no cost to you.
What's an elimination period and how does it affect me?
Most LTC policies have a 30 to 90 day elimination period — a waiting window before benefits kick in. Many families bridge this with private pay. Once the elimination period is met, we can often bill the carrier directly through assignment of benefits.
What documentation does my insurer need?
Typically: a care plan, caregiver time sheets, visit logs documenting the ADL assistance provided, and sometimes physician certification of chronic illness or cognitive impairment. We produce all of this automatically — documentation is the main reason families use a licensed agency instead of a private caregiver.
Can my policy cover 24-hour care?
That depends on your daily or monthly benefit cap. We'll model what the policy covers against what the care plan requires, so you can decide whether to scale the plan to the benefit or supplement the gap with private pay.
Can I use VA benefits or Medicaid alongside LTC insurance?
Sometimes. VA Aid & Attendance and LTC insurance can often be used together. TennCare typically requires the LTC benefit to be exhausted first. We can walk through stacking rules based on your specific plans.
Related services
Ready to move forward with Long Term Care Insurance?
We'll walk you through options, timelines, and funding — whether it's in this conversation or after a free in-home assessment.