Have Questions?Long-Term Care Insurance
Consultation & Claims Support in Denver
You’ve paid into that policy for years. Let us help you put it to work.
A long-term care insurance policy can pay for a meaningful share of your loved one’s home care, but filing a claim can feel like a maze, and you shouldn’t have to find your way through it on your own. Your local Denver Care Expert walks it with you, from confirming benefits to sending invoices straight to the carrier, so your energy stays where it belongs: on the people you love.
Most Long-Term Care Policies
Cover Home Care
Most long-term care insurance policies pay for home care once a person needs help with two or more Activities of Daily Living (ADLs), things like bathing, dressing, grooming, eating, or getting around, or is living with a cognitive impairment such as Alzheimer’s or another form of dementia.
If any of that rings true for your family, benefits may well be available, and we’ll help you find out for sure. Sometimes one phone call is all it takes to feel a little lighter.
Common qualifying needs:
- Bathing & personal hygiene
- Dressing & grooming
- Eating & nutrition
- Mobility & transferring
- Toileting & continence
- Cognitive impairment (Alzheimer’s, dementia)
Two or more ADLs, or a cognitive impairment, usually meets the bar. We’ll go through your specific policy to be sure.
How We Help
We stay with you through the whole insurance process, start to finish, so your attention can rest on your loved one instead of the paperwork. This isn’t something you have to figure out by yourself.
In-Depth Policy Review
We get on the phone with both you and your carrier to go through the long-term care policy line by line, confirming benefits, riders, and exactly what has to be met to unlock coverage. Before anything else moves forward, we make sure you know precisely what you’re working with.
Care Plan Development
Following a home assessment and policy review, we put together a care plan built around your loved one’s needs. Some carriers require this plan as a core part of the claim. We’ll also deliver the home care itself to help satisfy the elimination period.
Nurse Assessment Support
Plenty of carriers call for a nurse assessment before they’ll approve a claim. We’ll get you ready for what’s coming and stay alongside you through each step of it.
Document Collection
We help you round up the right medical records, physician statements, and supporting paperwork from your providers, so the claim goes in complete and accurate the first time around.
Claim Submission & Follow-Up
We’re with you as the claim goes in, then follow up directly with the carrier to keep it from stalling and make sure it gets reviewed promptly.
Assignment of Benefits (Direct Billing)
When the policy permits it, we bill the carrier directly through assignment of benefits, so you’re not fronting the cost and waiting around to be paid back.
Ongoing Claims Management
We keep up with the ongoing documentation, invoicing, and carrier back-and-forth that it takes to keep your benefits flowing without a gap.
Areas We Serve
Your local Care Experts are rooted in the communities they serve. We provide home care and long-term care insurance support across the Denver metro area, including:
What Families Ask Most
What is an elimination period?
Think of it as a deductible counted in days rather than dollars. Most policies ask for 30, 60, or 90 days of qualifying care before benefits kick in. And here’s the key part: that care usually has to be happening during the elimination period, with many claims only getting approved once the period is finished and properly documented. We help you track and record all of it correctly from day one.
Can we start care before the claim is approved?
Usually yes, and honestly, most policies require it. Care often has to be underway and documented during the elimination period before a claim can be approved. We provide the home care that satisfies that period, then carry right on caring for your loved one once the claim clears. We set everything up and keep clean records so nothing catches you off guard later.
My claim has been submitted. Why is it still pending?
Carriers often need time to work through a claim, and they’ll frequently ask for more documentation along the way. We chase it down on your behalf to keep things moving and turn around any carrier requests quickly so your approval doesn’t drag. Already have a claim sitting in limbo? We’re glad to step in and help get it resolved.
What documents does the carrier need?
It varies by carrier, but most look for physician statements, functional assessments, and care records. We help you pull together the right paperwork from your providers so your submission goes in with nothing missing.
Why Denver families trust us
“Most home care agencies leave families to figure out the insurance process on their own.
We don’t.”
We’ve walked families all over the Denver metro through claims with the major carriers, and we count the paperwork as part of the care itself, because taking that weight off your shoulders is one of the ways we look after your whole family.
- We make the carrier calls for you
- We document the elimination period the right way
- We file the claim and stay on top of follow-up
- We bill directly wherever the policy allows
- We keep your benefits flowing without a gap
The Qualicare 360° Approach to LTC Insurance
You’re facing plenty of hard decisions right now. This one doesn’t have to be another.
Find care near your loved one
Talk through what your loved one needs with your local Denver Care Expert.
Get a plan that works for your family.
Following a free, in-home consultation, we’ll shape a care plan around your loved one’s specific needs at home.
Take a breath. Day or night, you’re never alone.
As part of your team, we’re always looking ahead to your loved one’s changing needs, and we’re only a call away whenever you need us.
We cover all your needs:
Request a Free LTC Insurance ConsultationFind out what your policy covers, at no cost to you.
Let’s talk. Reach out to your local Denver Care Expert, and together we’ll go through your long-term care insurance policy and show you exactly which home care benefits are within reach.
The review is free. The help is real. And you’re never alone in it.
Request a Free LTC Insurance Consultation
Qualicare is not an insurance company or broker. We assist families in understanding and accessing home care benefits under existing long-term care insurance policies.
