Free LTCi Verification — What Your Long-Term Care Insurance Actually Pays For
Send us your LTCi carrier + policy number. Sofia Elmer, RN calls the carrier’s care manager on your behalf and emails you a written breakdown within 24 hours — daily benefit, elimination period, covered services, expected out-of-pocket. No obligation to hire us. Yours to keep.
On-call nurse routes 24/7 — leave a message
★★★★★ 4.9 · 127+ family reviews · 21 NJ counties · RN-supervised
Most families with long-term care insurance are guessing what their policy actually pays. Sofia Elmer, RN calls your carrier directly — the same care-manager line you would call — and comes back with a written summary in plain English. Daily benefit, elimination period, ADL triggers, covered services, expected out-of-pocket, and exactly how to file the initial claim. Twenty-four hour turnaround. No cost, no obligation.
What we verify — the exact questions we ask your carrier
- Daily / monthly benefit maximum — the dollar cap on what the policy pays per day of care
- Elimination period status — how many “waiting days” you have left before benefits kick in
- ADL trigger requirements — how many activities of daily living (bathing, dressing, transferring, toileting, continence, eating) must be impaired
- Covered service types — home care yes/no, assisted living, adult day care, hospice, nursing facility
- Inflation rider — whether benefits grow with a fixed % (usually 3-5%) or are frozen
- Reimbursement vs. indemnity — how the carrier actually pays (submit receipts vs. flat daily amount)
- Care coordinator involvement — whether the carrier requires their nurse to sign off on the care plan
Request Your Free LTCi Verification
Sofia RN calls the same business day at (908) 912-6342. Written verification handed off on first contact.
Common questions
Is the verification really free?
Yes — Sofia calls your carrier on your behalf, emails you the written summary within 24 hours, and you keep it. Use with any home care agency, including agencies other than us. No obligation.
What if I don’t have my policy number?
Leave that field blank. When Sofia calls you back she’ll walk you through where to find it in your policy packet. If you can’t locate the packet, we help you request a copy from the carrier.
Do you accept all major LTCi carriers?
Yes — Genworth, John Hancock, Mutual of Omaha, Transamerica, MetLife, Prudential, New York Life, CNA, MedAmerica, Northwestern, MassMutual, and more. Select ‘Not sure / other’ if your carrier isn’t listed.
Do I have to become a client?
No. This is a service we offer whether or not you hire 24 HOUR Home Care NJ. Many families come back after researching. Zero pressure.
How is this different from calling the carrier myself?
You can absolutely call yourself. Most families find the carrier’s care-manager phone tree slow, and the answers get technical. Sofia has done this hundreds of times — she knows the exact questions to ask and comes back with a plain-English summary the same day.
Prefer to just call?
[silis_reviews_carousel]
Care Cost Estimator
Ballpark 2026 NJ ranges based on your loved one’s needs. Sofia RN gives you the exact number in the free 15-min consult.
This is a rough range based on 2026 NJ market rates. LTCi + VA benefits often reduce out-of-pocket significantly. Sofia does the exact math for free.
Sofia RN 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 RN made it for you.