Long-term care insurance is a specialized type of insurance that pays for caregiving services at home or if you transition to a care facility.
People believe that your personal or company health benefits or medicare or medicare supplement plans will pay for caregiving services. These benefits do not pay for caregiving services.
I emphasize to my clients that owning a long-term care plan is valuable; however, owning a plan funds your caregiving, but additional planning is essential.
Have your caregiving plan in a folder and a known place to your family and copies with your trusted advisor. You may also scan or have your LTC plan and other documents in digital folders or digital services offered by companies.
Review your plan every few years. If you forget what your plan will accomplish, contact your extended-care benefits advisor or contact customer service of the LTC company.
Have your other documents in a known place to your family and trusted advisors. Legal documents, Financial Assets, Medical Forms, Doctor and Prescription Information, Passwords, and other essential information will help those responsible for your care to help you with your care services and care requirements. Have the telephone, address, and e-mail of your LTC carrier.
Inform your family and trusted advisors you own a long-term care plan and have a summary of your plan available for family, fiduciary, and advisors.
What do you need to have to file a long-term care claim?
Articles have been written, and influencers in social media do not think LTC benefits are useful because they don’t understand the fundamentals of LTC plans, and people forget the plans they purchased.
Long Term care benefits claims mean “activities of daily living.”
You have a medical condition with health insurance, and you use your doctor and hospital benefits.
With an LTC plan, it isn’t the illness where you may file a claim; it is how the illness, accident, or frailty affects your activities of daily living.
Bathing, Continence, Dressing, Eating, Toileting, and Transferring are activities of daily living.
There are one more activities which are cognitive. If you have been diagnosed with a cognitive illness, you do not need to have another activity of daily living condition.
This is what is in all Long Term Care Plans:
The Benefit Amount
Think of it as the bank account (how much money is in your account) of either a Traditional or Hybrid Benefit.
The amount in the account can be $100,000; $200,000, $400,000, to over $1,000,000 based on how the LTC plan is designed.
Then it is the monthly amount which may be between $1,000 to $15,000 in the beginning, and if there is a cost of living rider.
How many years based on family history would you need care services? 2 years, 3,4,5,6, or lifetime benefits?
Waiting period. To save money on premiums, people will extend the waiting period before benefits begin. The typical waiting period is 90 days. It is important to know if the waiting period is calendar or service days in your policy. Calendar days are better as your waiting period is counted faster than service days.
What Kind of Care Is Covered by the Policy?
Most long-term care benefits after the year 2000 are comprehensive, meaning you may use the plan at home, living with friends or family, or if you need to transition to a care center.
Care Support Services.
During the years you own the plan care support services won’t be thought of as useful, but when filing a claim and the issues around what, how, and where care support services are needed, a family has options:
There are care support services at no additional expense offered by the LTC insurance carriers. A family may contact the carrier which contracts with a care support service to help a family evaluate a person’s care needs.
A family may hire a licensed and experienced gerontologist, social worker, or competent caregiving services to evaluate a person’s caregiving needs. The family pays for these services.
There are also care support agencies such as Amada, who will help a family file a claim and make sure that the purpose of the claim and documentation of the plan’s benefits are correctly organized so that the insurance carrier will certify the lawsuit without delay.
How much time does it take for an LTCI claim determination to arrive?
Bathing, Continence, Dressing, Eating, Toileting, and Transferring are activities of daily living.
LTC claims are delayed or denied because caregiving is not that you are frail, have an accident, or are ill. It is whether recovery will be longer than 90 days and how your health, fragility, or cognitive affect your activities of daily living.
Documents
Have your LTC benefits policy in a document and digital form available for your family and your trusted fiduciary and advisors.
Have a Summary of your LTC Benefits Policy
Waiting Period
Monthly benefits
Cash, Reimbursement, or combination cash/reimbursement
Cost of living added to your monthly benefits
Years plan will pay
Carrier phone number, e-mail, and mailing address
Consultation with primary care physician, and the insurance carrier information needed to be eligible to receive your benefits.
Consult with Amada, a care support consultant, or your extended-care benefits advisor with how to properly apply for benefits so that certification will be made promptly to receive your benefits.
Have your important financial and insurance documents in folders in a place your family and trusted advisors can find. Digital services are useful where your documents are scanned and in a cloud, system to make it easier for families to find essential information.
This mode enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode
Improves website's visuals
This mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode
Helps to focus on specific content
This mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
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This mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
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This mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
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Accessibility Statement
www.lavineltcins.com
November 17, 2025
Compliance status
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience,
regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level.
These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible
to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific
disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML,
adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with
screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive
a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements,
alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website.
In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels;
descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups),
and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag
for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology.
To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on
as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported in our website
Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Additional UI, design, and readability adjustments
Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over seven different coloring options.
Animations – person with epilepsy can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Browser and assistive technology compatibility
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to
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