Using Your Long-Term Care Insurance for Home Care in Cherry Hill, NJ
For families in Cherry Hill, Voorhees, Moorestown, Haddonfield, and Marlton, a long-term care insurance policy represents years of careful planning. Activating those benefits should be straightforward — and Comfort Keepers of Cherry Hill is experienced at making it exactly that.
We accept virtually all major long-term care insurance carriers and take on the full administrative process, from opening your claim through managing ongoing payments. Your job is to focus on your loved one. Ours is to make sure the insurance works the way it was meant to.
Long-Term Care Insurance Carriers We Work With
We accept long-term care insurance policies from all major carriers used by families in Cherry Hill, Voorhees, Moorestown, Haddonfield, Marlton, and throughout the region, including:
New York Life
Lincoln Financial
Genworth Financial
MassMutual
Mutual of Omaha
John Hancock
State Farm
Transamerica
Penn Mutual
Northwestern Mutual
Prudential
Bankers Life
Thrivent Financial
USAA
Don't see your carrier? We work with most providers. Call (856) 878-2442 and we'll verify your coverage at no cost.
How It Works
Step 1 — We Help Open Your Claim and Determine Your Benefits
When you contact our Cherry Hill office, we start by helping you initiate a claim with your insurance company and obtain your claim number. From there, we work directly with your insurer to determine your coverage — daily benefit amount, elimination period, which services are included, and what documentation your carrier requires. Families in Voorhees and Haddonfield often come to us uncertain about what their policy actually covers. We translate the details into plain language so you know exactly what you have available before any decisions are made.
Step 2 — Assignment of Benefits or Payment to You — Your Choice
Once benefits are confirmed, you choose how payment is handled. Assignment of benefits means your insurance company pays Comfort Keepers of Cherry Hill directly — you are not billed and do not need to manage reimbursement checks. If you prefer, your insurer can pay you directly and you pay us from those funds. Both arrangements work, and we support whichever fits your situation. Our team manages all claims submissions, insurer correspondence, and reauthorizations throughout the life of your care arrangement.
Step 3 — Personalized Care in Your Home
Care can begin in most cases while your claim is still being processed, so families in Cherry Hill, Moorestown, Marlton, Voorhees, and Haddonfield are not left waiting. For loved ones coming home from Cooper University Health Care, Jefferson Cherry Hill Hospital, or Virtua Our Lady of Lourdes, we work with discharge teams to have care ready from the moment they arrive. Our caregivers are matched to each client based on personality, daily routine, and specific care needs — not just availability.
Why Burlington and Camden Counties Families Choose Comfort Keepers
Cherry Hill and its surrounding communities in Camden and Burlington Counties are home to families who plan carefully and expect follow-through. We understand that choosing in-home care is not a transactional decision — it is a deeply personal one that affects the entire family.
Comfort Keepers of Cherry Hill works closely with the discharge teams at Cooper University Health Care, Jefferson Cherry Hill Hospital, and Virtua Our Lady of Lourdes. We know the care landscape across Camden and Burlington Counties and we bring that familiarity to every new intake. What we hear most consistently from families in Voorhees and Moorestown is that they want someone they can genuinely trust in their parent's home. Building that trust takes time, and the caregivers we match most carefully tend to become long-term fixtures — which is exactly the outcome we work toward.
Frequently Asked Questions
What is assignment of benefits and does Comfort Keepers Cherry Hill offer it?
Assignment of benefits means your long-term care insurance company pays Comfort Keepers directly, rather than sending a reimbursement check to you. Yes — we set this up as part of our standard process when it is your preferred arrangement. Alternatively, your insurer can pay you directly and you pay us. We explain both clearly and help you decide which works best for your family.
My parents live in Voorhees or Haddonfield — do you serve those areas?
Yes. We serve Cherry Hill, Voorhees, Moorestown, Marlton, Haddonfield, Medford, and communities throughout Burlington and Camden Counties. Call us to confirm coverage at a specific address.
What does the insurance company require to approve a claim?
This varies by carrier. Most long-term care insurance companies arrange for a nurse to visit the home and conduct an assessment of your loved one's needs — every insurance company approaches this a little differently. Some also request supporting documentation from a physician. In most cases, your loved one will need to demonstrate difficulty with at least two activities of daily living, such as bathing, dressing, transferring, or managing medications. We will help you understand exactly what your specific carrier requires and walk you through the entire process.
Does long-term care insurance cover Alzheimer's and dementia care?
Yes, in most cases. Alzheimer's and dementia care is one of the most common reasons families in Cherry Hill and Voorhees activate their LTC policies. Most policies cover personal care and supervision for cognitive impairment, though the specifics vary by carrier. We verify your exact coverage when you call.
We are not sure how long care will be needed — can we start short term?
Absolutely. Many of our Cherry Hill and Moorestown clients come to us following a specific health event and initially need care for a defined period. It is very common for that short-term arrangement to continue as families realize the difference consistent care makes. We never lock you into anything — care plans are built around your loved one's situation and adjusted as it changes.
Take the Next Step
A call to our Cherry Hill office costs nothing and commits you to nothing. Our care coordinators will help you open a claim, verify your long-term care insurance benefits, and answer your questions honestly — without any pressure. When your family is ready to move forward, we will be ready to help.
Call Comfort Keepers Cherry Hill: (856) 878-2442 — available Monday through Friday. Weekend calls can be arranged for urgent situations.
Explore Our Cherry Hill Home Care Services
- Home Care Services in Voorhees, NJ — Personalized in-home care for seniors throughout Voorhees Township.
- In-Home Senior Care in Haddonfield, NJ — Dedicated care for Haddonfield families from our locally owned team.
- 24-Hour Home Care in Cherry Hill & Voorhees — Learn about round-the-clock care options and how LTC insurance can help cover costs.
- Home Care vs. Nursing Home: Which Is Right for Your Family? — Compare your care options side by side.
