Always Best Care of Bristol
Long-Term Care Insurance Benefits
Maximize Your Coverage. Stay Safely at Home.
Long-Term Care (LTC) insurance can make a life-changing difference—helping cover partial or full costs of in-home care so you or your loved one can remain comfortably at home. You’ve invested in your policy for years—now it’s time to make sure you get the benefits you deserve.
At Always Best Care of Greater Bristol, we guide families through the entire LTC insurance process from start to finish. You don’t have to navigate this alone—we’re here to help.
How We Support You
Review & Verification
- Always Best Care of Greater Bristol can help clients review their LTC insurance policy to understand coverage terms, elimination periods, daily benefit amounts, and qualifying conditions
- Additionally, we help identify what documentation is required to initiate a claim
Verification of Benefits
- Always Best Care of Greater Bristol can contact the insurance company directly to verify policy details and eligibility for home care benefits
- The Power Of Attorney must be present either physically or on the phone while we talk with the insurance company to ensure all Personal Identifiable Information is secure
Always Best Care of Bristol
Claim & Plan Development
We guide your or your family. Our Care Coordination Team creates a care plan that aligns with your insurance requirements, increasing the likelihood of claim approval.
Assistance with Claim Initiation
- Our Staff guides clients or their families through completing claim forms and submitting the initial claim packet
- Ensure all required forms (e.g., Physician’s Statement of Need, Plan of Care) are accurate and complete to prevent delays
Service Plan Development
- Always Best Care of Greater Bristol’s Care Coordinator Team creates a detailed service plan that aligns with LTC insurer requirements and supports the claim approval
- Each service plan is unique to the client and can change over time
- Our Care Coordination Team will frequently visit clients to ensure general well-being of the client, validate that the service plan is being followed and make amendments to the service plan based on client condition
Always Best Care of Bristol
Documentation & ADL Tracking
Providing Required Documentation
- Always Best Care of Greater Bristol supplies each client with an Activity of Daily Living Chart (ADL) which Caregivers can track what services they are assisting with each week
- The accurate recording keeping of each ADL Chart helps ensure that our team stays on track with the goals of the service plan, verify which services are being performed with the insurance company and allow for a seamless transition between Caregivers when applicable
Ongoing Communication with the Insurance Company
- Our team can help track claim status, respond to requests for additional documentation, and assist with re-certification when needed
Want to avoid costly delays or denials?
Get Our LTC Claim Checklist
Download our Long Term Care Claim Questions Guide — a list of essential questions to ask your insurer before filing a claim.
LTC Carriers We Work With
We collaborate with both legacy and current Long Term Care insurers, including:
If your carrier isn’t listed, we’ll still assist — our team works with all major LTC administrators and hybrid products.
- Our Operations Teams manage the weekly submittal of all insurance related matters including any invoices, ADL Charts, caregiver notes and anything else deemed necessary for reimbursement submission
- We will follow up with the insurance company regarding delinquent payments or any discrepancies in payment that we have received
Let Us Help You
Education & Advocacy
We aim to educate families about the claims process and advocate for timely claim approval and payment.
Contact us today for a customized LTC insurance review and consultation. Your benefits are valuable—let’s make sure you receive them.
