Personal Care and Daily-Living Support
Help with bathing, dressing, grooming, toileting, transferring, and everyday tasks that keep daily life dignified.
Service details
Long-Term Care Insurance Accepted
Use Your Long-Term Care Insurance for Compassionate Home Care in Northern Virginia
Do you know that approximately 70% of seniors in the US need long-term care? Most LTC policies help pay for in-home senior care, including bathing, companionship, meal preparation, Alzheimer's and dementia support, and mobility and safety assistance.
Nurse Next Door helps verify your benefits and works with your insurer so your family can focus on the things that matter, such as spending time together.
CHAP-Accredited
20+ LTC insurers accepted
Direct insurer billing
What is Long-Term Care Insurance?
A Policy Designed for When Daily Tasks Become Difficult
Long-term care insurance, often called LTC insurance or LTCI, is a private policy that pays for personal and daily-living care that traditional health insurance and Medicare do not cover.
It includes assistance with bathing, dressing, mobility, meal preparation, and supervision for cognitive conditions like Alzheimer's and dementia.
If you or a loved one purchased an LTC policy in the 1990s, 2000s, or more recently, those benefits may be waiting to be used right now. Many families do not realize their policy covers in-home care.
Most LTC insurers require care to be provided through a licensed home-care agency in order for reimbursement to qualify. In most modern LTC policies, home care is included, and it's where most people prefer to stay. Nurse Next Door has helped many Northern Virginia families unlock these benefits by: 1- Verifying coverage 2- Completing the assessment paperwork 3- Billing the insurer
7M+
Americans hold LTC policies
Many never use the benefits they paid decades to earn because they do not know home care qualifies.
90%
Of seniors prefer to age at home
LTC insurance is built to help make this possible with personal and daily-living support.
17
Communities served in Northern Virginia
We extend the benefits and services provided under long-term care insurance to multiple communities across the region.
What Your LTC Insurance Covers
Nurse Next Door's In-Home Care Services Aligned with LTCI Policies
With Nurse Next Door, your long-term care insurance can cover multiple non-medical in-home care services. Coverage varies by policy. Most LTC insurance plans primarily cover non-medical personal care and supervision services. Some policies may also provide limited coverage for skilled nursing or licensed home health services when included in an approved plan of care. From a few hours a week of companionship to round-the-clock personal care, the following are the kinds of in-home services your LTCI can support.
Alzheimer's and Dementia Care
Specialized cognitive care, including supervision, redirection, and engagement to help loved ones stay safe at home.
Service detailsMeal Preparation and Companionship
Nutritious meal planning and preparation, plus meaningful daily companionship that keeps routines steady.
Service detailsMobility and Safety Assistance
Fall prevention, safe transfers, walking support, and home-safety oversight throughout the day.
Service detailsLight Housekeeping
Tidying, laundry, linen changes, and the household upkeep that makes a home feel cared-for.
Service detailsRespite Care for Family
Short-term relief for unpaid family caregivers, whether you need hours, days, or weeks.
Service details
Benefit Triggers
When Do My LTC Benefits Start?
Long-term care insurance pays out when one of two conditions, known as benefit triggers, is met and certified by a licensed health practitioner. Our care team helps coordinate this assessment during the first visit.
Trigger 1: Cognitive Impairment
A diagnosis of Alzheimer's, dementia, or another condition that requires substantial supervision to ensure health and safety.
Explore dementia careTrigger 2: Activities of Daily Living
Your benefits begin when you need substantial assistance with two or more of these six activities, which are expected to last at least 90 days.
1 Bathing
2 Dressing
3 Meal preparation and eating
4 Toileting
5 Transferring
6 Continence
How It Works
Receive the First Caregiver Visit in Days
We have walked many Northern Virginia families through this exact process.
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1
Caring Consult
A Care Designer visits your home to understand needs and review your LTC policy documents.
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2
Benefit Verification
We contact your insurer and confirm coverage, daily benefit, and elimination period, usually within 48 hours. In many cases, care can begin while the claim and benefit verification process is still underway.
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3
Clinical Assessment
A licensed health practitioner completes the assessment your insurer requires to certify benefit triggers.
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4
Care Begins
Your caregiver starts providing support at home.
Carriers We Work With
Long-Term Care Insurance Policies We Accept
We work with most major licensed LTC insurers in Virginia. Call us with your policy and we will verify coverage, typically within 24-72 business hours, depending on the insurance.
Genworth Financial
Mutual of Omaha
John Hancock
New York Life
Northwestern Mutual
Transamerica
Bankers Life (CNO Financial Group)
Prudential
MetLife (older LTC policies)
Others
Read Your Policy With Confidence
Seven LTC Terms Every Family Needs to Know
Insurance language can be intimidating. Here is what really matters when you are using your policy.
Daily / Monthly Benefit
The maximum your insurer pays per day or per month for in-home care. The amount and structure vary by policy. If your daily benefit goes unused on a given day, the balance often rolls into a monthly pool.
Elimination Period
A waiting period (typically 30, 60, or 90 days) before benefits begin. Days are counted only when care is actively delivered. We help you efficiently satisfy this period.
Benefit Period
How long benefits will pay out, whether 2 years, 3 years, 5 years, or lifetime. Combined with the daily benefit, this determines your total policy pool.
Inflation Protection
It’s an optional add-on, known as a rider, that automatically increases your daily benefit each year (commonly 3 to 5 percent). If you bought your policy a decade ago, this rider may have significantly increased your benefit amount over time.
Reimbursement vs. Indemnity
Reimbursement policies pay against actual care expenses up to the daily benefit. Indemnity policies pay the full daily benefit amount regardless of expense, which can give more flexibility in how the benefit is used.
Hybrid Life/LTC Policies
Newer policies combine life insurance with LTC riders. We accept these as well. The claims process is similar but documentation requirements differ slightly.
Plan of Care
A written care plan outlining the assistance and supervision required. Most LTC insurance carriers require an approved plan of care before reimbursing home-care services.
We're Local
Long-Term Care Insurance Across Northern Virginia
Wherever you are in our service area, your LTC benefits travel with you. We're licensed and active in 17 Northern Virginia communities. Choose your city to learn more about local caregivers, response times, and community resources.
Frequently Asked Questions
FAQs About Long-Term Care Insurance
Here are the questions Northern Virginia families ask us most often.
Does long-term care insurance cover in-home care in Northern Virginia?
Yes. Most modern long-term care policies include in-home care services such as companionship, personal care, bathing assistance, meal preparation, and mobility support. Nurse Next Door works directly with most major LTC insurers serving Northern Virginia to provide non-medical home care. Many older policies also include home care. We can review yours and explain what's available.
How do I know if my LTC benefits have been triggered?
Most LTC policies require a licensed health practitioner to certify either:
That you cannot perform two or more Activities of Daily Living (bathing, dressing, eating, toileting, transferring, or continence) for at least 90 days.
Or that you have a severe cognitive impairment such as Alzheimer's disease.
Our care team helps coordinate the assessment your insurer requires.
Will Nurse Next Door bill my LTC insurance company directly?
Yes. Once your benefits are approved, we submit care logs, time records, and any required documentation directly to your insurance carrier. We handle the documentation process on your behalf.
What is an elimination period and how does it affect my home care?
The elimination period is the number of days (usually 30, 60, or 90) before your LTC insurance benefits begin. Days are counted only when care is actively delivered. Every LTC policy is different. Coverage, eligibility requirements, elimination periods, and reimbursement rules vary by carrier and policy contract. We help track elimination-period days carefully so you can receive benefits as soon as you qualify.
Which long-term care insurance companies do you accept?
We accept policies from most licensed long-term care carriers serving Virginia, including traditional LTC, hybrid life/LTC, group, individual, federal, and employer-sponsored plans. If you're unsure whether your LTCI qualifies, call (703) 774-9421 with your policy number, and we'll verify it, typically within 24–72 business hours, depending on the insurance.
Can I use long-term care insurance for Alzheimer's or dementia care?
Yes. Cognitive impairment is one of the two qualifying triggers under most modern LTC policies. Our experienced Alzheimer's and dementia caregivers across Northern Virginia provide the supervision, redirection, companionship, and personal care that LTC insurance can cover.
Is there a difference between long-term care insurance and Medicare?
Yes. Medicare covers short-term medical care. It does not cover ongoing personal or custodial care. Long-term care insurance is designed to cover the months and years of personal-care and daily-living support that Medicare excludes.
What is assignment of benefits?
Some LTC insurance carriers allow home health care agencies to bill them directly. However, it depends on the insurance company and policy structure.
Ready to Use Your LTCI?
Your Policy May Be Waiting to Improve Your Quality of Life
A Caring Consult with our Care Designer is the first step. Share your policy and we can walk through what is included, then help build a care plan around it.
