Loving Arms accepts most major long-term care insurance carriers — Genworth, Mutual of Omaha, John Hancock, Transamerica, and more. We verify your parent's policy, handle the claims paperwork, and can have a caregiver in your parent's home within 24 hours of authorization.
Most comprehensive LTC policies cover all of these services when provided by a licensed home care agency. Coverage for each service depends on your parent's specific policy terms.
Bathing, dressing, grooming, toileting, transferring, and mobility assistance — the core activities that trigger most LTC Insurance benefits. Covered by virtually every comprehensive LTC policy.
Conversation, activities, transportation, meal preparation, light housekeeping, and medication reminders. Covered by most modern LTC policies issued after the late 1990s.
Cognitive impairment is a qualifying trigger on most LTC policies. Specialized dementia caregivers provide structured routines, safety supervision, and memory engagement — often at expanded benefit levels.
Around-the-clock supervision and care for seniors who cannot be left alone safely. Many LTC policies have a monthly maximum benefit that accommodates full-time care — we'll help you understand what's authorized.
Relief care while a primary family caregiver takes a break. Some LTC policies include a specific respite benefit; others cover it under the standard home care benefit. We'll check your parent's policy.
Care following a hospital stay, surgery, or rehabilitation — helping your parent recover safely at home. Most LTC policies cover recovery care when the qualifying ADL or cognitive trigger is met.
Loving Arms accepts most major long-term care insurance carriers. Don't see your parent's carrier listed? Call us — we likely work with them.
Also accepted: MassMutual, Pacific Life, Unum, Aetna (legacy LTC), MetLife (legacy LTC), State Farm (legacy LTC), and most other carriers. Call us to confirm →
We guide families through the full process — from policy review to care starting in the home.
Call us at 281-901-8279 with your parent's policy benefits summary. We'll confirm what services are covered, the daily or monthly benefit amount, the elimination period, and any documentation requirements.
Contact your parent's insurance carrier to open a claim. They'll send claim forms and may arrange a care assessment or require a physician statement. We'll tell you exactly what to expect from your carrier.
Loving Arms prepares the care plan, caregiver visit records, and service documentation that your carrier requires to process and continue the claim. We handle the paperwork so your family doesn't have to.
Once authorized, a background-checked caregiver is in your parent's home — often within 24 hours. We bill the insurance company directly for most carriers, so your family simply focuses on your parent's care.
LTC Insurance policies have several key terms that determine when and how much they pay. Here's a quick guide.
| Term | What it means | Typical range | Loving Arms can help |
|---|---|---|---|
| Daily Benefit Amount | The maximum amount the policy pays per day for covered care | $100 – $300+/day | Yes — we'll price care within your benefit |
| Benefit Period | How long the policy will pay benefits (total duration of coverage) | 2 – 5 years or lifetime | Yes — we track usage to help maximize your benefit period |
| Elimination Period | Days of care your parent pays for before the insurance kicks in | 30, 60, or 90 days | Yes — we provide care during the elimination period at private-pay rates |
| Inflation Protection | Annual increase in the benefit amount (if included in the policy) | 3–5% compound or simple | Yes — we confirm the current benefit level with your carrier |
| Qualifying Triggers | The conditions that must be met for benefits to begin (ADL or cognitive impairment) | 2 ADLs or cognitive impairment | Yes — we document care activities to support ongoing claim approval |
| Indemnity vs. Reimbursement | Whether the policy pays a set daily amount (indemnity) or reimburses actual costs (reimbursement) | Varies by policy | Varies — we bill directly for reimbursement policies; indemnity pays the family |
Loving Arms provides LTC Insurance-covered home care throughout Houston and surrounding communities.
LTC Insurance is one of several funding sources. Many families combine options — we'll help you find the right mix for your parent's situation.
Pay directly for care at $25–$35/hr — more affordable than national franchises ($30–$40+/hr). No long-term contract, a free in-home assessment, and care can start within 24 hours.
Ways to PayCareScout (formerly Genworth's care coordination network) connects policyholders to quality-credentialed care providers. Loving Arms is a CareScout-accepted provider in the Houston area.
Ask about CareScoutVeterans and surviving spouses may qualify for the VA Aid & Attendance pension benefit, which can pay for in-home care. Loving Arms works with veterans and their families to access this benefit.
Ask about VA benefitsAll of the following can be provided under your parent's LTC Insurance policy, based on what's authorized in their care plan and policy terms.
Bathing, dressing, grooming, mobility assistance — the core ADL support that triggers most LTC Insurance policies and keeps your parent comfortable at home.
Specialized memory care at home — consistent routines, safety supervision, and cognitive engagement — often authorized under LTC Insurance for seniors with dementia diagnoses.
Around-the-clock care for seniors who cannot be left alone safely. Many LTC Insurance policies include monthly maximums that accommodate full-time in-home care.
