Long Term Care Insurance for Home Care Services in NY, NJ & CT

When illness, injury, or age makes living alone challenging or unsafe, it’s easy to feel like a care facility is the only option. Unfortunately, these facilities can often feel cold and impersonal, making it harder to stay connected to the people and communities we cherish most.

At Affirmed Home Care, we believe that long-term home care offers a better option. It allows individuals like you to receive the care you need while remaining in the comfort of their own homes, surrounded by the connections that bring joy and fulfillment.

If you’re exploring long-term care insurance for home care in NY, NJ, or CT, we’re here to help. We accept most long-term insurance plans and we also provide the guidance you need to navigate your options and find the best solutions because everyone deserves to feel supported and connected—right at home.

Long-Term Care Insurance for Home Care in NY, NJ, and CT

Long-term care insurance for home care in NY, NJ, and CT is designed to cover services that assist individuals with chronic illnesses, disabilities, or other challenges requiring extended care. This insurance helps cover the support you need for daily activities that might feel overwhelming—like bathing, dressing, meal preparation, and more—all while allowing you to remain in the comfort of your own home. Here’s how it works:
  • Coverage: These policies typically cover services like in-home care, adult day care, assisted living, and nursing home care. However, some costs, such as rent at a care facility, may not be included.
  • Benefit Triggers: Benefits are activated when you’re unable to perform certain activities of daily living (ADLs) like eating or dressing, or if you have a cognitive impairment such as Alzheimer’s.
  • Elimination Period: Most policies have a waiting period—usually 30 to 90 days—before benefits kick in. During this time, you’re responsible for covering care costs.
It’s essential to know that policies can vary widely depending on the provider and the state. Regulations, benefits, and eligibility criteria differ in NY, NJ, and CT, so it’s important to review your options carefully. Affirmed Home Care proudly accepts both long-term care insurance plans and private pay plans.

Long-Term Care Insurance for Home Care FAQs

What is long-term care insurance for home care? A policy that helps cover in-home care services for chronic illness, disability, or age-related needs.
What does it typically cover? Daily activities (bathing, dressing), skilled nursing, therapy, medication management, and household help.
Who qualifies for benefits? Those needing help with activities of daily living (ADLs) or with cognitive impairments like Alzheimer’s.
Can it be used in NY, NJ, and CT? Yes, many policies are accepted across the Tri-State area, and we’ll help you navigate your benefits.
How can Affirmed Home Care help? We accept most long-term care insurance plans, handle claims and offer supplemental private-pay options to ensure you get the home care you need.
How do I start using my policy? Contact your insurer to confirm coverage, then work with us to create a care plan and process claims.
What if my policy doesn’t cover everything? We can explore supplemental options or private pay to ensure you get the care you need.
Why choose Affirmed Home Care? We provide compassionate, high-quality care and expert guidance through the insurance process.

Exceptional Care Starts
With Excellent Caregivers

Long-term care doesn’t mean giving up the life you love or being confined to a medical facility. It’s about maintaining your health without sacrificing happiness and staying close to the people, places, and routines that make life meaningful. At Affirmed Home Care, we’re here to help you stay independent and live fully. Our compassionate caregivers are highly trained and carefully chosen, not just for their skills but for their dedication to making a difference. They’re more than just caregivers—they’re companions who laugh with you, share stories, and create lasting memories alongside you.
A nurse embraces her patient while the patient sits on her couch at home.

Our Locations

We’re proud to support families across the Tri-State area with offices in NY, Long Island, Fairfield, CT, Monroe Township, NJ, and Rochelle Park, NJ. Whether you’re exploring long-term care insurance for home care or need guidance finding the right services, we’re here to help make it easier for you.

Our team knows this region inside and out—not just the logistics of home care but also how to navigate the best local resources. From helping you understand your insurance options to ensuring stress-free trips to medical appointments, we’re here to take the weight off your shoulders. We’re all about making the process seamless so you can focus on what matters most: your well-being.

Wherever you are in your care journey, we’ll be right there with you, offering support, solutions, and a friendly hand at every step.

Client Experiences

Sharon L. says:
Sharon L. says:
"My father-in-law recently required home care, something my family and I were completely unfamiliar with, plus we live out of state while he resides in Westchester. We relied upon the hospital social worker to guide us.

Lucky for us, she referred him to Affirmed. Saying that we were pleased is an understatement. Affirmed treated him with the respect he deserves and gave us the reassurance we needed. I would recommend Affirmed to anyone looking for exemplary home care.”
Linda G. says:
Linda G. says:
“Thank you, Affirmed Teams, for your professional and outstanding service to my dad when it was truly needed.

At a time when families are unable to prepare for home care, you guided us through the entire process with ease and helped make my dad's recovery at home extraordinarily comfortable and easy to endure.”

Make Affirmed Home Care Your Long-Term Home Care Partner

At Affirmed Home Care, we know how vital it is to find care you can truly trust—especially when extended care is needed. That’s why we bring the high-quality services you’d expect from top-tier medical or living facilities right to your doorstep. With us, you or your loved one can receive exceptional care in the comfort of your home, surrounded by the people, memories, and routines that make life worth living.

If you’re considering using long-term care insurance for home care in NYC, NJ, or CT, you can feel confident knowing Affirmed Home Care is here to provide the compassionate, reliable support you deserve.

With us, care is personal. Your caregiver becomes a trusted friend, someone you can count on, all while enjoying the comfort and familiarity of your own home. Why settle for less when you can have exceptional care without compromise? Let us help you thrive right where you belong.

Are you looking for information on using long-term care insurance for home care in NY, NJ, or CT? Affirmed Home Care accepts long-term care insurance and delivers tailored, compassionate support from caring medical professionals.

Schedule your free phone consultation today—call or message us now.

Related Services

Live-in home care services in NYC

Private Live-In Care

Our 24/7 live-in caregivers provide full-time support, offering both assistance and companionship so families can rest easy knowing their loved one is always cared for.

End of life care NYC

End-of-Life Care

We offer compassionate in-home end-of-life care, focusing on comfort, pain relief, and emotional support for clients and their families during this transition.

A patient receives post-surgery home care in NYC.

Post-Op Care and Rehab

Recovering from surgery or injury? Our caregivers provide in-home support, handling progress monitoring, errands, meal prep, and daily tasks to make healing easier.