For LTCi Brokers — A Home Care Partner That Files Claims Cleanly and Maximizes Benefits
When your clients activate their long-term care insurance benefits, refer them to 24 HOUR Home Care NJ. We accept most major policies, help file the claim, coordinate with the carrier, and structure care hours to maximize what your client’s policy actually pays for.
★★★★★ 4.9 · 127+ family reviews · 21 NJ counties · RN-supervised
Your clients spent decades paying LTCi premiums. When benefits activate, they need a home care agency that knows how to bill the carrier, document care correctly, and time services to burn through the elimination period as quickly as allowed. 24 HOUR Home Care NJ does all three — with Sofia Elmer, Nurse Care Concierge personally handling the claim setup.
Why NJ professionals refer to 24 HOUR Home Care NJ
RN-led intake
Sofia Elmer, Nurse Care Concierge handles every referral personally. Nurse-to-nurse communication when it’s a hospital case manager. Nurse-to-family communication when it’s a family.
24-48 hour placement
Standard caregiver placement is 24-48 hours from referral. Same-day is possible for urgent post-discharge situations. No waitlists.
All 21 NJ counties
Same-day coverage across every NJ county — from Sussex to Cape May, Warren to Ocean. Densest caregiver bench in Morris, Union, Essex, Somerset, Middlesex.
Written care plan
Every intake produces a one-page written care plan within 48 hours — care hours, caregiver skills required, projected monthly rate. Yours to file.
How to refer — 3 steps
- Send the referral. Refer your client via (908) 912-6342 or email brokers@24hourhomecarenj.com. Include client name, LTCi carrier, policy number if available.
- Sofia takes the case. Sofia calls your client, conducts free assessment, then contacts the carrier’s care manager directly to align on care plan + billing structure. She handles the paperwork.
- Care starts + you receive documentation. Care starts within 24-48 hours. First month’s invoice includes carrier-ready documentation. Your client’s out-of-pocket is minimized to their policy’s actual gaps.
“I refer my Morristown-area families to Sofia at 24HCNJ. She calls them back the same day, gives them a real plan, and follows through. My clients don’t feel handed off — they feel handled.”
— NJ elder-law attorney, Morris County practice (name withheld for client privacy)
Refer a client · Sofia calls same day at (908) 912-6342
Prefer to send referrals in writing? Fill this out. Sofia Elmer, Nurse Care Concierge calls your client the same business day (weekdays) or same-day (weekends). Direct line: (908) 912-6342. Written care plan handed to the family on Sofia’s first in-home visit for your file.
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Or reach Sofia directly: (908) 912-6342 · referrals@24hourhomecarenj.com
Common questions from referring professionals
Which carriers do you accept?
Most major LTCi carriers: Genworth, John Hancock, Mutual of Omaha, Transamerica, MetLife, Prudential, New York Life, CNA, MedAmerica, and others. Call us at (908) 912-6342 with the carrier name and we confirm compatibility on the same business call.
Do you handle the claim filing paperwork?
Yes. Sofia Elmer, Nurse Care Concierge coordinates directly with the carrier’s care manager, submits required assessments, documents care hours per the policy’s daily/monthly benefit structure, and provides carrier-ready invoices. Your client’s admin burden drops to near zero.
How do you help maximize benefits?
We structure care hours to burn through elimination periods as quickly as the policy allows, document activities of daily living (ADL) impairments accurately, and time reassessments to protect benefit eligibility. Your client’s policy pays out what it should — no leakage from provider-side errors.
What if my client’s policy has an inflation rider or cap issue?
We work within any policy structure — daily caps, monthly caps, pooled benefits, inflation-protected, non-forfeiture. Sofia calls your carrier’s care manager the day the claim is initiated to align on structure.
What NJ counties do you serve?
All 21 counties. LTCi claims tend to concentrate in Morris, Somerset, Essex, and Union — where NJ retirees with LTCi policies most often reside. We serve every county the same day.
Refer a Client · Sofia direct
Sofia calls you back within 4 business hours
Guaranteed. If Sofia doesn't reach out within 4 business hours of your call or form submission, your first hour of caregiver time is free when you start care with us.
Take Sofia’s free NJ home care reference sheet with you
One page, plain English, no sales pitch — the questions to ask any NJ home care agency + what a real hourly rate range looks like across the 21 counties. Sofia made it for you.