Long-Term Care Insurance Client Course for Home Care Agencies (PDF + Word + Excel)

Families who own long-term care insurance have already paid for help at home. Most of them just do not know how to turn it on. This self-paced course workbook shows non-medical home care agency owners how to find those families, verify their benefits, and get invoices paid by the carrier without months of back and forth.

BONUS INCLUDED: A second, expanded course workbook, the Long-Term Care Insurance Clients Course Workbook, 50 pages in PDF and editable Word. Its 8 modules go deeper on reading a policy, activating benefits, claims paperwork and keeping LTC clients, with a policy review checklist, claim checklist and 30-day plan.

WHAT YOU GET
A complete course workbook in 7 modules, as a printable PDF and an editable Word file
An Excel tracker for policyholder clients, claims, payments and carrier calls
Knowledge checks at the end of each module with a full answer key
Action checklists that turn each module into real tasks

WHAT IS INSIDE
Module 1: How long-term care insurance works for home care. Benefit triggers, activities of daily living, elimination periods, calendar days versus service days, reimbursement versus indemnity, and a worked example of the math.
Module 2: Getting your agency ready. Rates, carrier-ready invoices, an invoice cover letter, caregiver notes that hold up to review with weak and strong examples, a daily care note form and an authorization form.
Module 3: Finding policyholders. How to work with elder law attorneys, financial advisors, insurance agents and care managers, with phone scripts, five outreach emails and a lunch talk outline.
Module 4: The intake and benefits verification call. A family intake script, a carrier call script, a full benefits verification form and a family summary letter.
Module 5: Filing and managing claims. Step by step claims, checklists, assignment of benefits explained, a denial reasons and fixes table and an appeal letter template.
Module 6: Serving and retaining these clients. Monthly family updates, change of condition steps, planning for benefits running out and asking for referrals the right way.
Module 7: Your 30-day action plan. A day by day launch plan and a scoreboard.

THE TRACKER
Clients and Policies tab estimates the end of the elimination period and the next recertification date. Claims and Payments tab totals billed, paid and balance, and counts days open on every invoice. Carrier Call Log keeps every rep name and reference number in one place.

WHO IT IS FOR
Owners, administrators and office managers of licensed non-medical or private-pay home care agencies in the United States.

PLEASE NOTE
This product is general education. It is not legal, insurance, tax or financial advice. Long-term care policies vary by carrier, state and year of issue. Always read the specific policy and call the carrier before making any promise to a family about coverage or payment.

Because this is a digital download, all sales are final. If you have trouble opening your files, send a message and we will help.

YOU RECEIVE
Three instant downloads: a print-ready PDF, the fully editable Word file, and the Excel workbook (also works in Google Sheets).

Please note: this is a professionally written template, not legal, tax or clinical advice. Rules vary by state. Confirm requirements with your state agency and your own advisor.

Digital download only. Nothing will be shipped. You brand the files yourself: add your agency name and logo to the editable templates. Licensed for use inside one agency only. Not white label, and not for resale, sharing or redistribution. Questions? Message us through your Etsy order.