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.
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★★★★★ 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 follows up within 4 business hours. Written verification email within 24 hours.
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?
Sofia walked into the hospital room before discharge and the whole tone changed. Mom got home with the same caregiver for the next four weeks. We've never felt that calm during a rehab.
Three years of live-in care for Dad's Alzheimer's. Same two women rotating. He still says 'good morning' to them by name. That continuity is everything.
We had three other agencies before. With 24 Hour Home Care NJ the caregiver actually shows up, and Sofia answers the phone. Both of those used to be miracles.
Mom is in independent living but we wanted a 1-on-1 caregiver alongside the community staff. The community welcomed it. Mom now eats every meal with her own person.
After Dad's stroke we needed care fast. Sofia had someone in the apartment within 12 hours of the Hackensack discharge call.
Sofia called me on a Sunday night to confirm Mom's overnight caregiver was on her way. Who else does that? Nobody.
Long-term-care insurance paid for almost everything. Sofia handled the verification before our first shift. No surprise bills, ever.
My mom is fussy. Sofia matched her with a caregiver who reminded her of her sister. Two years later, they're best friends. That's not luck — that's intake.
Six weeks of post-surgical recovery. Same two faces every day. Mom never had to re-explain her routine. Healing was visibly faster.
After Overlook discharge for Dad's heart procedure, the caregiver knew his medications cold. Sofia briefed them before they walked in.
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.
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.