Get more out of your Long-Term Care (LTC) benefits with CareLinx

Receive 25% more care from a caregiver that you choose. Plus worry-free claims.

Share your care needs for a free consultation

A better home care option for long-term care (LTC) insurance holders

Benefit dollars go further

With lower hourly costs than home care agencies, most clients get 25% more hours through CareLinx.

Caregiver of your choice

We’ll help you find a qualified Independent Provider from our network of 450,000+ nationwide.

Painless claims

Our app makes it easy for your caregiver to document activities in the home for your claims.

Our LTC specialists make set up and claims hassle free

Accessing your benefits can be confusing and frustrating. Our specialist will help you avoid missteps that may result in rejected claims and avoidable out of pocket costs.

We’ll guide you through the process to make the most of your benefits, which include:

A detailed review of benefits & process

Policy verification

Conducting a search for locally qualified providers

Managing provider enrollment and set up

Submitting claims and managing denials

We work with the leading LTC insurance plans

Brighthouse FinancialUnumMutual of OmahaGenworthAllianzNew York Life
MetlifeJohn HancockLincoln Financial GroupNorthwestern MutualMass Mutual
Mass Mutual

& many more!

How to use your long-term care benefits with CareLinx



Tell us about your care needs & policy details



We’ll verify policy coverage and find a local caregiver


Get care

We’ll submit claims and you collect the benefits

Get started

Christopher K.

“I am very happy and satisfied with the Carelinx Long Term Care insurance communications.  It is properly and timely handled very well.”

Roberta F.

“I’m so glad that CareLinx helped me through the process of accessing my dad’s LTC policy, I didn’t even know where to start. They explained everything as we went. It was great.”

Frequently asked questions

Do you accept my long-term care plan?

Yes, there’s a good chance we are a provider for your policy. We’ve worked with most all of the national long term insurance carriers and learned that  each member’s policy is unique so it’s best to begin with a verification check. This is a no-cost, obligation free consultation.

What costs are covered under my LTC plan?

Since policies vary widely even from the same insurance company we recommend reviewing your specific LTC coverage. Our LTC specialist can help validate your coverage to better estimate costs. Request a free consultation above with our LTC specialists. Typically, the independent provider’s hourly wage is reimbursable, taxes or fees are usually excluded.

What LTC plans are approved?

• Genworth
• Brighthouse
• Metlife
• Mass Mutual
• Bankers Life
• John Hancock

• Unum
• Allianz
• RiverSource
• Calpers
• Federal LTCI
• Penn Treaty
• Blue Cross Blue Shield

• Mutual of Omaha
• New York Life
• Transamerica
• Thrivent
• OneAmerica
• Securian Financial
• Lincoln Benefit Life
• and many more!

Do you accept Medicare or Medicaid?

We are unable to support Medicare and Medicaid insurance at this time. However, we partner with many Medicare Advantage plans. Check with your insurance company if CareLinx is a covered benefit.