Our RN is available to help you identify the type of support your loved one needs — you decide what to request.
Long-Term Care Insurance Support in Southwest Florida
You paid the premiums for years. We help you put the policy to work.
Long-term care insurance can cover much of the cost of in-home caregivers — but anyone who's tried to access a policy knows the paperwork and policy language can be extremely confusing. Since 1997, Abby Services has helped families across Lee, Collier, and Charlotte Counties find screened, credentialed caregivers — and our owner, a registered nurse, helps families navigate the documentation insurers require so you can pursue the full benefits you've paid for.
Helping Southwest Florida families find the right caregiver since 1997.
Understanding the policy is only part of managing a long-term care claim.
Families are often surprised by what comes after qualifying: care logs and invoices submitted correctly, every month, to keep reimbursements flowing. Every policy is different, and one missing document can stall a claim for weeks.
That's why our system for scheduling, billing, and caregiver payments also works to expedite LTC insurance claims — claim details and care documentation are transmitted electronically as they're processed, helping ensure accuracy and timely payment. Your insurer decides what's covered; our job is making sure they get what they need, when they need it, to say yes.
Want to talk through your situation with someone local?
How Abby Services Helps with LTC Insurance
From the first phone call to weekly claim submissions, we help families:
Signs It May Be Time to Use Your Policy
There's no perfect time to access your policy — and many people with long-term care insurance never fully use the benefits they've paid for. That's why we encourage clients to seek the care and support they need, when they need it. It may be time to look at your policy if your loved one is:
- Needing help with bathing, dressing, or other daily activities — the trigger most policies are built around
- Living with an Alzheimer's or dementia diagnosis, which qualifies under many policies
- Already paying out of pocket for care a policy might reimburse
- Holding a policy no one in the family has read in years
- Waiting to start care, not realizing the elimination period often can't begin until care does
- Overwhelmed by claim forms, policy language, or an insurer that's slow to respond
If any of this sounds familiar, we can help you understand not just what your policy covers, but how to make the most of it.
How it works
Getting started is simple, and there's never any pressure.
1
Call us
Tell us about your loved one and what's going on. The consultation is free.
2
Build a care plan
3
Meet your caregiver
We refer screened, credentialed caregivers who align with your requests and meet policy requirements. You choose the fit.
4
Stay in control
Adjust hours and direction anytime as needs change. You're always in charge.
Paying for Care Beyond Your Policy
Even with long-term care insurance, families sometimes need or want more support than a policy's daily or monthly benefit covers. In those cases, LTC insurance becomes one piece of the plan — supplemented by other payment methods to reach the full level of support your loved one needs:
Private pay
The most common way families bridge the gap — covering hours beyond what the policy reimburses and care during the elimination period before benefits begin.
Long-term care insurance
The reason you're on this page. Policies often cover much of the cost of in-home care — and our weekly electronic claim submissions help reimbursements arrive faster. Learn about LTC insurance →
Hospice benefit
For those who qualify, hospice can cover in-home support. We'll help you understand if it applies.
Veterans' benefits
Veterans and surviving spouses may qualify for aid that helps offset the cost of in-home care.
LTC Insurance Questions, Answered
Most policies pay when your loved one needs help with a set number of daily activities — bathing, dressing, toileting, transferring, eating — or has a cognitive impairment like dementia. The specifics live in your policy language, and the insurer makes the determination. This is where we shine: rather than interpreting your policy for you, we work directly with you and your LTC insurance provider to get the important questions answered at the source — when the policy pays, how much it pays, what documentation it requires, and what has to happen before benefits begin.
It's the waiting period — often 30, 60, or 90 days of paid care — before benefits begin. We commonly compare it to the deductible on your car insurance, except it's measured in days of care instead of dollars. Important detail: in most policies, the clock doesn't start until qualifying care actually begins, which is one reason waiting to start care can cost more than starting it.
In Florida, the law is on your side: Florida Statute 627.94071 prohibits long-term care policies issued in this state from denying home health benefits because services came through a licensed nurse registry rather than a home health agency. We help you confirm where your policy stands before care begins so there are no surprises. We've worked with most major insurers over the years — experience that helps keep the process smooth for you.
Typically care logs showing dates and services, invoices that match them, and sometimes periodic recertification of eligibility. Insurers deny or delay claims over inconsistent paperwork more than anything else — which is exactly the support we provide. Our system transmits claim details and care documentation electronically as care is scheduled and billed, so submissions stay accurate and on time.
Often no. Denials frequently come down to missing documentation, a form filled out inconsistently, or care that started before requirements were met — problems that can be corrected and resubmitted. We can't overturn an insurer's decision, but we can help make sure they're deciding on complete, accurate information. Our owner, a registered nurse, will help you navigate these challenges — often through a group call with the family, the policyholder, and the LTC insurance provider to understand not just the denial, but exactly what's required for approval.
That's a question for a licensed insurance professional — we don't sell insurance and can't advise on purchasing it. Where we help is on the other end: when it's time to use a policy you already have.
We're a matchmaking service, and we like to say you don't marry the first person you go on a date with. While we work hard to find the best fit the first time, that isn't always possible — you can request a different caregiver at any time, no hard feelings, no hassle. The right personality match matters, and your feedback helps us identify better candidates for you. We'll keep working with you until you find the right fit.
Why families choose Abby Services
Local since 1997
Nearly three decades referring caregivers throughout Fort Myers, Cape Coral & Lee County.
Screened & experienced
We refer trained, background-screened caregivers — and help you direct their care.
Nurse-guided care plans
Our registered nurse helps you build a care plan that fits your policy and your loved one's needs — not a one-size template.