LONG TERM CARE PLANNING

Private long-term care insurance can be a powerful tool - but interpreting the fine print and applying it to real-world care decisions isn’t always easy. At Gracious Navigation, our Senior Placement Advisor helps families make sense of their policies and use them with confidence.

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We assist with:

• Policy Review & Clarification
  We break down complex insurance language - like elimination periods, daily benefit limits, and coverage triggers - so you understand exactly what’s covered and when benefits begin.

• Matching Coverage to Care Options
  We help align your policy benefits with actual care costs, and recommend communities or services that meet both your loved one’s needs and your policy’s requirements.

• Claims Coordination
  We assist with documentation and billing coordination, ensuring care providers submit the right paperwork for timely reimbursement.

• Identifying Gaps or Limitations
  We flag any restrictions - such as licensing requirements or geographic limitations - and help you plan around them.

• Advocacy & Support
  We act as your liaison with care providers and insurance representatives, empowering you to make informed decisions without fear of unexpected costs.

 

At Gracious Navigation, we turn insurance confusion into clarity - so you can focus on care, not paperwork.