Final decisions on skill set requirements should be made after your registered nurse care manager conducts the care consultation and provides recommendations for your home care based on their findings. An open discussion between the client, their loved ones, and the nurse will produce the best results.

TrustHouse selectively recruits only exceptional healthcare professionals with specialized knowledge and years of clinical experience at top hospitals and critical care units. Their nursing skills are exceptional, and they are adept at assessing client’s needs, helping make them some of the best home care nurses available. Given our high standards, we only onboard 9% of all applicants.

Yes, all our nurses are hired by and are direct employees of our organization. Our company does not subcontract any core homecare services. Given this, TrustHouse is solely responsible for paying all taxes, insurance, and fees associated with caregivers. Under no circumstance would a client need to pay our nurses directly.

All TrustHouse employees are covered under the company’s General/Professional Liability, Medical Malpractice, Disability, and Workers Compensation policies.

Yes. Your TrustHouse registered nurse can assist you while in the hospital as a patient advocate. This helps ensure you are receiving the highest level of attention.

Yes, your nurse can assist you with shopping or other errands.

Yes, your nurse can escort you to and from any personal or medical appointments. We encourage this as part of your care plan, so that your nurse is receiving the same information from health care practitioners as you are.

Long Term Care Insurance is a policy that covers some or all of an elderly individual’s ongoing healthcare costs. While policies vary, they often cover at-home care services like in-home nursing or palliative end-of-life care, as well as care provided at a nursing home care facility, assisted living facility centers, and adult daycare facilities. Long Term Care Insurance can also cover expenses for disabilities and chronic medical conditions.

You can’t always predict medical costs. However, those 65 or older can expect to need assistance a few hours a day for help with daily living activities, post-surgical care, or in-home hospital care.

Most standard health insurance policies don’t cover long term care, and Medicare generally only covers short-term nursing home stays and limits at-home care services. Additionally, Medicare does not cover Assisted Daily Living care. Supplementing your medical coverage with Long Term Care Insurance will help protect your savings and give you more options for the type of care you would like.

The ability to make choices about your living situation and the care you receive is a crucial component of maintaining independence. Relying on Medicare, Medicaid, or regular health insurance will limit your options to facilities within these government programs or your provider network. Unfortunately, many services won’t be covered. Long Term Care Insurance allows you to arrange for private nursing care, including self-care tasks, errands, medication reminders, medical appointments, food prep, and light housework.

Upwards of 95% of Long Term Care Insurance claims are filed by individuals over 70, and 70% of all claims are filed by people 81 years and older. A change in mental or physical health, injury, surgery, chronic illness, or a change in living situation could mean it is time to use your coverage.

Long Term Care Insurance policyholders must meet specific criteria (also called benefit triggers) to receive their benefits. While eligibility requirements vary among policies, benefits are typically available when the individual needs assistance with two or more ADLs (activities of daily living).

These basic self-care tasks include bathing, grooming, grocery shopping, and health maintenance. Some insurance providers accept the need for standby assistance as a benefit trigger. This means the policyholder needs someone else present for transfers and to help prevent falls.

To determine eligibility, a Long Term Care Insurance company may:
- Review the policyholder’s medical history
- Interview the policyholder or a close family member
- Conduct a face-to-face assessment
- Conduct a physical or a cognitive test
- Contact the policyholder’s healthcare provider
- Review notes or referrals from physicians

Some insurers are more meticulous, requiring several steps to determine eligibility, while others may go off a single doctor’s note. If you’re unsure about the criteria or need help presenting proof of eligibility, we are able to help.

To file a Long Term Care Insurance claim, you will need:

- The insurance company’s name and contact information
- The insurance policy number
- An invoice for medical services received
- Proof of payment for medical services
- A form authorizing the release of the policyholder’s information
- A statement from the Long Term Care provider detailing the care plan
- A signed policyholder statement (also called a claimant’s statement or insured’s statement)
-An attending physician statement verifying Long Term Care is necessary

Some insurance companies may also request a detailed care summary with each claim, but for others, an invoice might suffice once the initial paperwork is in.

Seniors with dementia or physical impairments (as well as those who may not be tech-savvy) may struggle to file a claim. TrustHouse can file a claim on their behalf as needed.

Once a Long Term Care Insurance company processes a claim, the client will receive reimbursement via a check or direct deposit. With your signed permission to speak on your behalf, TrustHouse can work with your insurance company on reimbursing our agency for claims, so you don’t have to front the costs. If your policy covers 100% of your long term care, you won’t have to pay anything. If it covers a portion, you’ll pay the difference once TrustHouse is reimbursed.

Yes. Clients with Long Term Care Insurance policies can rely on our expert in-house benefits team to ensure their policies are activated and utilized to their fullest extent. A full benefit summary, timely care plan revisions, care note and invoice submissions, and the option to have insurance pay TrustHouse directly are all complimentary services offered to Long Term Care Insurance clients.