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The Ultimate Guide to Long-Term Care Insurance

Long-term care insurance (LTCI) is an important financial tool designed to cover the costs associated with long-term care, which regular health insurance, Medicare, or Medicaid do not typically cover. It is especially crucial as people age and the need for assistance with daily living activities increases.

In this comprehensive guide, we will explore what LTCI is, the average cost, the right time to buy it, its reimbursement aspects, what happens if you don’t use it, what costs are covered, whether you need it or not, how plans can vary, and how you can be reimbursed under certain plans.

Keep reading to learn 7 facts about LTCI that you need to know before buying a policy.

What You’ll Learn:

1) Long-term care insurance is an insurance policy.

LTCI is a type of insurance policy designed to cover the costs of long-term care services, which can include nursing home care, home health care, adult daycare, and other services that assist with daily living activities like bathing, dressing, or eating. These services are often necessary for individuals with chronic illnesses, disabilities, or cognitive impairments like Alzheimer’s disease.

Unlike standard health insurance, which primarily covers medical care, LTCI is focused on providing financial assistance for non-medical care required over extended periods. The policyholder pays premiums, and in return, the insurance company agrees to cover certain costs of long-term care, as defined in the policy.

2) Long-term care insurance costs an average of $4,000 per year.

The cost of LTCI can vary significantly based on several factors, including the age at which you purchase the policy, your health, the amount of coverage you desire, and the length of the benefit period. On average, the cost in 2024 is approximately:

  • For a Single 55-Year-Old: The average annual premium is around $2,000 to $3,000 for a basic policy that offers $165,000 in benefits. Premiums for more comprehensive coverage can exceed $5,000 per year.
  • For a Couple (Both 55 Years Old): The average combined premium is around $3,000 to $4,500 per year for a policy with similar benefits. Couples can often benefit from discounts that reduce the cost of premiums.

These costs increase with age, so purchasing a policy earlier in life is generally more affordable. Waiting until your 60s or later can result in significantly higher premiums, sometimes doubling or tripling the amounts mentioned above.

3) You should buy long-term care insurance before you turn 60.

The optimal time to buy LTCI is typically in your mid-50s to early 60s. Purchasing a policy at this age offers a balance between affordability and the likelihood of being approved. Here are some considerations:

  • Health and Eligibility: Insurance companies assess your health when you apply. The younger and healthier you are, the lower your premiums will be. If you wait until your 70s or 80s, you might face higher premiums or even be denied coverage due to pre-existing conditions.
  • Affordability: Premiums are more affordable when you buy a policy earlier in life. Waiting increases the cost substantially, and if you wait too long, the premiums may become prohibitively expensive.

Planning Ahead: Buying LTCI before retirement ensures that you are prepared for any unexpected health issues that may arise as you age. It also provides peace of mind, knowing that you have a plan in place to cover potential costs.

4) Long-term care insurance can be reimbursable.

Yes, LTCI is reimbursable, but it depends on the type of policy and how it is structured. Most LTCI policies work on a reimbursement basis, meaning that the insurance company will reimburse the policyholder for covered services up to a specific daily or monthly limit. Here’s how it typically works:

  • Reimbursement Policies: The policyholder pays out-of-pocket for eligible care expenses and then submits receipts or invoices to the insurance company for reimbursement. The insurer then reimburses the policyholder up to the daily or monthly limit specified in the policy.
  • Indemnity Policies: Some policies pay a fixed daily or monthly amount, regardless of the actual costs incurred. If your expenses are lower than the benefit, you can keep the difference.
  • Cash Benefit Policies: A less common option, these policies provide a cash benefit to the policyholder each month, which can be used at their discretion, even for non-medical expenses.

Understanding the reimbursement process is crucial when choosing a policy, as it can impact how and when you receive funds for long-term care services.

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5) If you don’t use your long-term care insurance, you may be entitled to compensation.

One of the most significant concerns for potential buyers of LTCI is the possibility that they may never use it. After all, the premiums paid over many years could add up to a substantial amount. Here’s what happens if you don’t use your policy:

  • No Refunds: Traditional LTCI policies typically do not refund premiums if the policyholder never uses the benefits. The premiums paid are similar to other types of insurance, such as homeowners or auto insurance—if you don’t file a claim, you don’t receive your money back.
  • Hybrid Policies: To address the concern of paying for coverage that might never be used, many insurance companies now offer hybrid policies. These combine long-term care coverage with life insurance or an annuity. If you never need long-term care, your beneficiaries receive a death benefit, ensuring that the premiums you pay provide some value.
  • Return of Premium Riders: Some policies offer a “return of premium” rider, which refunds the premiums paid if the policyholder never uses the benefits. However, this rider increases the cost of the policy significantly.

Deciding whether to purchase a traditional or hybrid policy depends on your financial situation and risk tolerance. Hybrid policies may be more attractive to those who want to ensure their investment provides value, regardless of whether long-term care is needed.

6) Long-term care insurance policies vary in coverage.

LTCI plans vary widely in terms of coverage options, benefit amounts, and policy features. Some of the key variations include:

  • Daily/Monthly Benefit Amounts: The amount the policy will pay per day or month for covered services. Higher benefit amounts increase the premium.
  • Benefit Period: The length of time the policy will pay benefits, ranging from a few years to lifetime coverage. Longer benefit periods increase the premium.
  • Elimination Period: The waiting period before benefits begin is usually 30 to 90 days. Choosing a longer elimination period can lower premiums.
  • Inflation Protection: An optional feature that increases your benefit amount over time to keep up with rising care costs. This safeguard is important as long-term care costs can increase significantly over the years.
  • Shared Care: A feature for couples that allows them to share benefits. If one spouse uses up their benefits, they can tap into the other’s remaining benefits.
  • Nonforfeiture Benefit: A rider that ensures you receive some value if you stop paying premiums or cancel the policy, often in the form of a reduced paid-up benefit.

The specific features and options you choose will significantly impact the cost of your policy. It’s essential to carefully review and compare policies to find the policy that meets your needs.

7) Home health care agencies can help you determine if you need long-term care insurance.

Whether you need LTCI depends on your situation, financial resources, and risk tolerance. Here are some factors to consider:

  • Risk of Needing Long-Term Care: The U.S. Department of Health and Human Services estimates that about 70% of people over age 65 will require some form of long-term care during their lifetime. This growing demand makes LTCI a crucial consideration for many.
  • Financial Resources: Long-term care can be expensive, with costs ranging from $50,000 to over $100,000 per year, depending on the type of care and location. If you have substantial savings or other assets, you might choose to self-insure. However, for many people, LTCI can protect their savings and provide peace of mind.
  • Family Support: If you have family members who can provide care, you might not need as much coverage. However, relying on family alone can place a significant burden on them and may not be a viable option in all cases.
  • Medicaid Considerations: Medicaid covers long-term care, but only for those with very limited income and assets. If you plan to rely on Medicaid, you might not need LTCI. However, Medicaid does not cover all types of care, and coverage can be limited.

Ultimately, the decision to purchase LTCI should be based on a careful assessment of your financial situation, health, and personal preferences. Consulting with a financial advisor can help you make an informed decision.

What Costs Are Covered by Long-Term Care Insurance?

LTCI is designed to cover a wide range of services that help individuals with daily living activities. These can include:

  • Home Health Care: In-home services by a nurse, therapist, or aide to assist with daily activities, medication management, or medical care.
  • Assisted Living Facilities: Residential facilities that provide personal care, meals, housekeeping, and medical assistance.
  • Nursing Home Care: Full-time care in a nursing home, including skilled nursing services, therapy, and personal care.
  • Adult Day Care: Programs that provide social activities, meals, and care during the day for individuals who need supervision.
  • Memory Care: Specialized care for individuals with cognitive impairments such as Alzheimer’s disease or dementia.
  • Respite Care: Temporary care that allows primary caregivers to take a break.

The specific services covered, as well as the amount and duration of coverage, depend on the policy you choose. Most policies have limits on the daily or monthly benefits and a maximum benefit period.

How Does Private Home Care Work with Families Who Have Long-Term Care Insurance?

Private home care services, like dementia care services, are a popular choice for individuals who prefer to receive care in the comfort of their own homes. When a family has LTCI, this coverage can help offset the costs of these services. Understanding how private home care works with your policy involves knowing the general process, key considerations, and the right questions to ask when evaluating home care providers.

LTCI can cover the cost of private home care, provided the policy includes this type of care in its benefits. Home care services typically include assistance with activities of daily living (ADLs), such as bathing, dressing, eating, mobility, toileting, and transferring. Depending on the policy, LTCI can also cover skilled nursing care, physical therapy, and other specialized services provided in the home.

The process generally works as follows:

1) Eligibility Assessment

Before insurance benefits can be accessed, most policies require the insured person to meet specific criteria. This prerequisite often includes assistance with two or more ADLs or having a cognitive impairment such as dementia. A physician or care coordinator usually assesses these needs.

2) Choosing a Home Care Provider

Families can choose a home care agency that aligns with their needs. It’s crucial to ensure that the agency’s services are covered under your policy. Some policies may require using providers from an approved network.

3) Policy Review and Coordination

The home care agency often works with the insurance company to verify coverage, determine benefits, and manage the paperwork. This coordination helps ensure that the services provided align with what the insurance will reimburse.

4) Claims Process

After care begins, the family or the home care agency typically submits claims to the insurance company for reimbursement. The insurance policy may pay directly to the provider or reimburse the family after they pay for the services upfront.

5) Ongoing Monitoring

As care continues, the home care agency and insurance company will monitor the care plan and adjust as needed. Regular updates may be required to maintain coverage, especially if the insured person’s condition changes.

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How to Use Long-Term Care Insurance with Home Care Services

The general process of using LTCI with private home care involves several steps to ensure coverage and proper reimbursement:

1) Policy Activation

LTCI benefits are not immediately available. Most policies have an “elimination period,” which is a waiting period (typically 30 to 90 days) during which the insured must pay out-of-pocket before insurance benefits begin.

2) Care Plan Development

A detailed care plan must be developed, usually by a healthcare professional. This plan outlines the specific services needed, how often they will be provided, and who will provide them. The insurance company often requires the care plan to determine eligibility for benefits.

3) Documentation Submission

The home care provider submits necessary documentation to the insurance company, including the care plan, physician’s statements, and other required forms. This documentation approves home care services and starts the reimbursement process.

4) Reimbursement or Direct Payment

Depending on the policy, the insurance company may reimburse the family after they pay for the services or pay the home care provider directly. It’s essential to understand the payment structure to avoid confusion.

5) Ongoing Evaluation

The insurance company may periodically review the case to ensure that the care provided is necessary and covered under the policy. This auditing can involve updating the care plan and providing additional documentation.

10 Questions to Ask a Home Care Company When You Have Long-Term Care Insurance

When considering a home care company and you have LTCI, it’s important to ask specific questions to ensure the services provided align with your insurance coverage and that the process will be as smooth as possible. Key questions include:

1) Does My Long-Term Care Insurance Policy Cover Your Services?

Ensure that the home care agency is familiar with your specific insurance provider and policy. It’s important to ask if they have experience working with your insurance company and whether they accept direct payment from the insurer.

At Minute Women, our home care services are compatible with the majority of LTCI policies. Typically, it’s up to the policyholder to confirm coverage details with their insurance provider. However, we are always here to assist in navigating this process and to clarify any questions you may have about your coverage and the direct payment options available.

2) Do You Handle Insurance Paperwork and Claims?

Please inquire if the agency offers assistance with filing claims and managing the necessary paperwork. This support can alleviate the administrative burden on families and help ensure timely reimbursement.

At Minute Women, we provide comprehensive support with paperwork and claims. We utilize an e-fax service to send documentation, visit notes, and invoices, creating a clear paper trail that shows when information was sent and when the insurance company received it. This process has been invaluable for families caught in situations where an insurance company claims they never received the necessary documentation. With proof in hand, we can demonstrate that the documents were indeed sent and received, which often helps expedite the process.

3) What Is the Process for Verifying Coverage and Benefits?

Understanding how your agency verifies your insurance coverage and identifies covered services is essential. Be sure to ask about the timeline for this verification process and whether they will provide an itemized list of services that are eligible for reimbursement.

Insurance companies typically require proof that we are a business in good standing, as well as any applicable state licensure. In Massachusetts, there is no specific licensure for private home care companies, so we can only provide proof of our business status to the LTCI company. Additionally, Minute Women verifies that the client meets the criteria to receive their benefits, such as needing assistance with a specific number of activities of daily living. We also ensure that visit notes and invoices are transmitted promptly for reimbursement.

4) How Do You Coordinate Care with the Insurance Company?

Effective coordination between the home care provider and the insurance company is essential for a seamless experience. Be sure to ask how the agency communicates with the insurer, updates care plans, and manages any disputes or coverage issues.

At Minute Women, we take a proactive approach when working with our LTCI partners, ensuring they receive all the pertinent information and documentation needed to approve a client’s benefits.

We ensure smooth coordination by sending all necessary documentation via e-fax with timestamping. This coordination provides proof to you that the documentation was sent and shows the insurance company that we have fulfilled our responsibilities, prompting them to take timely action on their end.

Additionally, we regularly send all care notes from our team—typically on a weekly basis—so that the LTCI company has the notes, documents, and invoices they need to reimburse you for our services.

5) What Are the Out-of-Pocket Costs?

Effective coordination between the home care provider and the insurance company is essential for a seamless experience. Be sure to ask how the agency communicates with the insurer, keeps care plans updated, and manages any disputes or coverage issues that may arise.

Out-of-pocket costs typically occur during the elimination period or if a client receives more care services from Minute Women than their insurance benefits cover. In such cases, the family would need to pay the difference as an out-of-pocket expense.

Minute Women Home Care - 7 Facts You Need to Know About Long-Term Care Insurance - dementia home care, in home dementia care, dementia assistance, dementia home care services, dementia care services

6) What Is Your Experience with Long-Term Care Insurance?

Inquire about the agency’s experience with LTCI. Agencies that frequently work with LTCI companies are more likely to understand the intricacies of policies, leading to fewer delays or issues with claims.

7) How Do You Handle the Elimination Period?

Ask about the agency’s experience with LTCI. Agencies that regularly work with LTCI companies are more likely to be familiar with the complexities of these policies, which can result in fewer delays or issues with claims.

Discuss how the agency handles the elimination period, if applicable. Be sure to ask if you will need to pay for services upfront during this time and how the transition to insurance reimbursement is managed once the elimination period concludes. At Minute Women, families are required to pay out-of-pocket until the elimination period ends, which is standard practice for private home care agencies.

8) Can You Provide References from Families with Long-Term Care Insurance?

Ask for references from other families who have used the agency’s services with LTCI. Their experiences can offer valuable insights into how effectively the agency manages the insurance process.

With over 55 years of experience, our team at Minute Women knows how to streamline this process to ensure a transparent experience for your specific needs.

9) What Is Your Scope of Services?

Ensure that the home care agency provides all the services outlined in your care plan and that your policy covers these services. It’s also important to clarify any limitations or exclusions.

When a client is new to Minute Women’s services, we engage in in-depth conversations to thoroughly understand all aspects of their situation, including care needs, requirements, and payment details. We always verify whether our clients have LTCI to ensure a seamless process.

10) How Do You Manage Care Updates?

Long-term care needs can evolve, so it’s important to ask how the agency communicates any changes in the care plan to the insurance company and how these changes might impact coverage and reimbursement.

At Minute Women, we have clients with long-term care insurance who may not initially meet their insurance company’s requirements—often related to the minimum number of activities of daily living they need assistance with. All of our caregivers and memory care professionals take detailed notes, and once we establish the insurance requirements, we initiate the reimbursement process.

Key Takeaways

Understanding these aspects is crucial to maximizing the benefits of your long-term care insurance while ensuring you receive the highest quality care from a trusted home care provider. Navigating the complexities of insurance can be challenging, but you don’t have to do it alone.

At Minute Women, we are committed to guiding you through every step of the process. Our team is dedicated to providing the support and expertise needed to streamline the paperwork, handle communication with your insurance company, and ensure that you receive the reimbursement you deserve for the benefits you have invested in over the years. 

We are here to advocate for you and make this journey as smooth and stress-free as possible so you can focus on what matters most: your well-being and peace of mind.

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50 Private Home Care Facts You Must Know

We received a private home care call from a possible client that needs 1-on-1 care for his 100-year-old mother, who fell and broke her hip. She is dealing with a discharge from a rehabilitation facility in three days, and the family is completely overwhelmed to the point of not being able to make a decision.

When speaking with this gentleman, it was clear he knew nothing about the options of private home care services or any services for that matter. I find that so many families are unaware of their options when a crisis like this occurs.

There are many options for senior care; adult day, VNA, Medicare, assisted living, senior housing, independent living, and nursing homes all provide personalized support.

So I wrote up what I thought everyone must know about senior care services so that if something happens, you have a solid understanding of your options.

 

Private Home Care Costs

1. Most private home care involves out-of-pocket expenses.

2. Private insurances generally will not cover the cost of home care.

3. Veterans Aid & Attendance is an option many people do not consider. VAA can reimburse up to $2,000 per month of home care costs!

4. Veterans, their spouses, or widow is eligible for VAA.

5. Long-Term Care Insurance can cover home care costs.

6. Some private home care companies can bill your LTC insurance company directly, so you do not wait for reimbursement.

7. Private home care costs add up quickly but are usually less expensive than other hospitalization and rehabilitation costs, especially if out of pocket.

8. If you are interested in finding out the cost of assisted living, nursing homes, and adult day centers in your city, see the Genworth Cost for Care Study.

9. Though unlikely, look at your private insurance company to see if they reimburse the cost of elder home care.

10. Medicare and Medicaid usually do not cover long-term care costs of private home care, and there are limits to how much they cover in nursing home rehabilitation centers.

 

Types of Private Home Care

11. Respite care is available for short durations of time.

12. Hourly care is generally in blocks of 3-4 hours to twelve hours shifts.

13. A night sitter is available where the caregiver is awake (hourly cost) or asleep (flat-rate).

14. The transportation service is not a taxi. When we drive seniors to their homes, escort them to their event or meeting, and then move them home safely.

15. Live-in care is the most economical way to maximize the amount of care you get for the cost of private home care.

16. Twenty-four hours a day, hourly shifts (usually split between two twelve-hour shifts) are the most expensive private home care but provides maximum coverage.

17. VNA or Medicare Home Care provides home health aides, nurses, physical therapists, and occupational therapists.

18. However, this therapy generally only lasts an hour a day, a handful of times a week.

19. VNA or Medicare home care is not a substitute for private home care. They exist to supplement each other.

20. Aides provide non-medical home care for patients. Nurses can provide medical care.

21. Private home care works with adult daycare, assisted living facilities, and nursing homes. (You can read more about working with other senior care options here.)

 

Private Caregivers

22. There are companion caregivers. These aides provide supervision, meal preparation, and companionship services.

23. Caregivers should all be background checked, reference checked, driving history checked, interviewed, and trained before being placed in a case. Ask if they are.

24. Home health aides provide more personal care, such as hygiene and cooking, while also able to help with basic companion tasks.

25. Nurses are needed for medication administration, wound care, IVs, and diabetes management.

26. Aides and companions are often hourly workers, but there are flat rates for overnights or live-in care.

27. Nurses are commonly paid on a per-visit basis but are there to do only one task no matter how long it takes.

28. The majority of caregivers, aides, and nurses are female.

29. Caregivers are there to provide care at a moment’s notice. They can clean up after meals but are not there to be a house cleaner.

30. Many caregivers come from other countries but are still required to speak clear English.

31. If working with an employment agency, you should expect your caregivers to be insured, trained, and bonded.

32. Caregivers can work with seniors in their home, assisted living facility, or nursing home.

 

Private Home Care Scheduling

33. Private home care provides very flexible care options that meet your needs.

34. It is challenging to fill cases that are less than the minimum 20 hours per week. The reason for this is caregivers are doing this for their livelihood and are looking for consistent work. Having less than 20 hours a week means the likelihood of the caregiver looking for another case and leaving increases.

35. The more hours you request, the more caregivers are interested in the case, and the more consistent caregivers are.

36. The fewer hours for a case, the harder it is to fill the case.

37. There can be cost differences between weekend shifts and weekday shifts. It depends on the home care agency.

38. Aides do get overtime pay if they work over forty hours a week. So large (40+ hours a week) cases require multiple caregivers to prevent this from occurring.

39. Cases can take a few minutes to a few hours to fill. It all depends on how many aides are interested, how quickly they return our calls, and how desirable the case is.

40. Agencies can change schedules from week to week. Predictable schedules are more common, but fluctuating schedules are not uncommon.

41. A fluctuating schedule does require more caregivers than a set scheduled case.

42. Emergencies happen, and things change quickly. You will not be at fault for something you can not control, but please let us know if things change as soon as possible.

 

Private Home Care Responsibilities

43. Private home care companies can take checks, credit cards, or bill trusts.

44. Upfront deposits are common in private home care cases. Depending on the payment method, this can change the sum of the deposit.

45. Most private home care companies want to meet with families first. This introduction is partly to inspect the condition of the household.

46. Contracts can change from company to company, but because of the nature of caring for people who are sick or injured, there should not be a binding agreement for a set amount of time or overall cost.

47. Home health aides should not touch medication (they can provide medication reminders) because of the liability involved in making a mistake.

48. Speaking of liabilities, home care companies will insist that lifting a person’s total body weight requires two people to prevent injury.

49. More than likely, you will be charged to reimburse mileage if a caregiver provides transportation for errands for a senior in the caregiver’s car.

50. We are here to help in any way we can. Our first goal is to find the proper care for you or your loved one, whether with us or with someone else who’s a better fit.

 

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The Caregiver’s Toolbox – What Is Long-Term Care Insurance? With Mike Harrington

As parents get older, many families ask how long-term care insurance (LTCI) can cover their care. But how does it work?

Some families are fortunate to find out that their parents have access to this benefit, significantly reducing the out-of-pocket cost of care.

 

Long-Term Care Insurance Origins

LTCI became a popular product to sell in the 1980s. It became a cash cow for insurance companies because they received years of monthly premiums without paying out benefits. This trend continued for over a decade.

By the 1990s, many older Americans had purchased LTCI and assisted living facilities became popular with the elderly.

Assisted living communities started offering tiered care services, where a resident could “add-on” services as they needed more care, allowing them to stay in the assisted living.

Add-on options became extremely popular, and demand exceeded supply. Long waiting lists to enter assisted living communities became common.

At the same time, private home care was growing in popularity as well.  These two non-medical services allow seniors to avoid moving to retirement homes, and both were eligible for reimbursement by their LTCI policies.

In the early 2000s, the insurance companies’ payouts increased dramatically as the greatest generation started needing their benefits.

The insurance companies underestimated two significant areas:

  1. The increased life expectancy
  2. The increased cost of health care services

LTCI Limitations

Many companies exited the market and stopped selling policies until they were better able to understand the market. Some companies benefited those who had policies, while others were notoriously difficult to work with, hoping people would die before receiving their benefits.

LTCI became wildly expensive to offset the cost of the prolonged payment periods that were common with care.

If you wanted LTCI at an older age, you likely wouldn’t qualify for a policy. If you did, the cost was often prohibitive.

Additionally, most of the policies were to use it or lose it. In other words, if a policyholder died suddenly, all the money they paid into the policy was pure profit for the insurance company.

Over time, self-insuring became an appealing alternative to paying for a policy. If you never need it, it’s still your money to keep.

 

LTCI Advantages

Today things have changed. There are different options for LTCI.

While we recommend purchasing the insurance in your fifties or sixties, some products can help people in their seventies still considered affordable.

Additionally, some options give you your money back if you don’t use the policy enough, making LTCI much more attractive.

There are some great tools to determine if you should further investigate LTCI policies, which you can find here.

Don’t let the company’s name fool you – they’re a private company selling LTCI policies and not affiliated with the U.S. government.

If you are looking to purchase a new LTCI policy, we recommend speaking with Mike Harrington of Lifetime Insurance Planning, especially if you value personalized customer service.

 

LTCI Qualifications

There is a 90-day elimination period with most policies. This regulation means you must pay out of pocket for up to 90 days before the insurance policy will kick in.

Also, you need to prove that the policyholder cannot perform a certain number of ADLs (activities of daily living). You can typically check this through your primary physician.

If you’re using your policy to pay for private at-home care or assisted-living community services, you’ll need to provide ongoing documentation to show you’re receiving these services. Usually, the service provider and the insurance company can help you work that out.

 

Key Takeaways

Purchasing long-term care insurance is something everyone should consider as their loved ones get older.

While it might not be the best choice for everyone, having it be part of the discussion when planning how to age-in-place can help pay for a significant portion of the costs.

 

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Contact Us:

Minute Women Home Care
594 Marrett Rd #13
Lexington, MA 02421
Phone: 781-862-3300
Fax: 781-861-7721

Service Area:

Arlington, Auburndale, Bedford, Belmont, Burlington, Cambridge, Lexington, Lincoln, Medford, Newton, Somerville, Waltham, Watertown, Wellesley, Weston, West Newton, Winchester, Woburn.

Home Care Alliance of Massachusetts Accredited
National Aging in Place Council Member Home Care Association of America Massachusetts