Long-Term Care
in Western Pennsylvania
Compassionate home-based long-term care that helps families honor a loved one's wish to age in place — including long-term care insurance support.
What Long-Term Care Really Looks Like
Roughly 70% of seniors will need some form of long-term care, and the average length of need runs around three years. Long-term care covers a spectrum — in-home care, adult day programs, assisted living, and skilled nursing facilities — but most families we meet in Pleasant Hills, Mt. Lebanon, Bethel Park, and across Allegheny County tell us the same thing: their loved one wants to stay home.
Care Solutions of Pittsburgh delivers the in-home portion of that long-term care plan. We coordinate with primary care physicians, geriatricians at UPMC and AHN, hospice providers when the time comes, and long-term care insurance carriers — so the family quarterback role does not fall entirely on a tired adult child.
Long-Term Care That Lasts as Long as You Need
Aging in Place, the Way Most Families Prefer
Long-term care can mean many settings, but in-home care is what the majority of older adults actually want. We build sustainable schedules — a few hours a day, overnights, or 24/7 live-in coverage — so families can honor a loved one's wish to stay in the home they know.
We Accept Most LTC Insurance Carriers
Care Solutions works with policies from John Hancock, Genworth, Mutual of Omaha, Northwestern Mutual, and most other major long-term care insurance carriers. We submit visit notes, complete the carrier's claim forms, and bill directly when the policy supports it — so families do not have to chase reimbursements every month.
Claim Documentation Done Right
LTCi claims live and die on paperwork. Our caregivers document daily ADL hands-on assistance, our office completes physician's statements and plan-of-care updates, and we keep an audit-ready file. That is the difference between a smooth claim and a denied one.
Putting Your LTC Insurance to Work
If your loved one purchased a long-term care insurance policy years ago, it was probably for exactly this moment. Most modern LTCi policies reimburse for in-home personal care, homemaker, and companion services as soon as the insured needs help with at least 2 of 6 activities of daily living, or has a cognitive impairment like Alzheimer's. The Pennsylvania Long-Term Care Partnership program also lets qualified policies protect assets equal to the benefits paid out — important if Medicaid ever enters the picture.
We have years of experience translating policy language into a working care plan. Our office handles the carrier paperwork; your family focuses on the person.
From First Call to Long-Term Plan
A straightforward path from policy review to caregiver in the door
Understand the Trigger Requirements
Most long-term care insurance policies pay benefits when the insured needs help with at least 2 of 6 activities of daily living (bathing, dressing, toileting, transferring, continence, eating) or has a cognitive impairment such as dementia. We help families understand which triggers their loved one currently meets.
File the Claim and Activate Benefits
We help gather the physician's statement, the assessment, and the plan of care that the insurance carrier requires to open the claim. Most policies have an elimination period (often 60 or 90 days) during which families pay privately — we structure care for that window too.
Build a Sustainable Care Schedule
Long-term care lasts on average about three years. We design a schedule that respects the policy's daily benefit, leaves room for the inevitable hospitalization, and matches the same caregiver to the client whenever possible. Consistency matters when care goes on for years.
Adjust as Needs Evolve
Care needs rarely stay flat. As ADLs change — say, transfers become two-person — we update the plan of care, communicate with the carrier, and bring in additional caregivers or equipment recommendations so the home stays a safe place to live.
Long-Term Care Frequently Asked Questions
What is long-term care?
Long-term care is the assistance someone needs over an extended period — usually months to years — when they cannot fully manage activities of daily living such as bathing, dressing, eating, or transferring on their own. It can be delivered in the home, in adult day programs, in assisted living, or in skilled nursing facilities. About 70% of seniors will eventually need some form of long-term care.
Does long-term care insurance cover home care?
Yes — most modern long-term care insurance policies reimburse for in-home personal care, homemaker, and companion services. Carriers typically require that the insured needs help with at least 2 of 6 activities of daily living, or has a cognitive impairment such as dementia. Care Solutions of Pittsburgh is set up to bill most major LTC carriers including John Hancock, Genworth, Mutual of Omaha, and Northwestern Mutual.
How long does long-term care typically last?
The average duration of long-term care is around three years, though it varies widely. Some people need care for only a few months after a hospitalization or surgery; others — especially those with progressive conditions like Alzheimer's — need care for a decade or longer. Building a flexible plan from day one matters because needs almost always change.
What is the PA Long-Term Care Partnership program?
The Pennsylvania Long-Term Care Partnership is a state program that lets qualified LTC insurance policies protect assets equal to the benefits paid by the policy. If a Partnership policy holder ever needs to apply for Medicaid after exhausting their policy, those protected assets are not counted. This is important when families are weighing whether to draw down savings or use insurance.
How do I start using a long-term care policy with Care Solutions?
Call our Pleasant Hills office at (412) 341-7780 with the policy in hand. We will review the trigger requirements, elimination period, and daily benefit, then walk your family through filing the claim. We complete the carrier's plan-of-care and ADL assessment forms, our caregivers document daily hands-on care, and where the policy supports it we bill the carrier directly so the family does not have to manage reimbursements.
Build Your Long-Term Care Plan Today
Whether you are activating an LTC insurance policy, paying privately, or piecing together coverage, we can help your family map out the next several years of home-based care across Western PA.
For medical emergencies, please call 911 immediately.