Care coordination benefit is a feature in many long-term care and hybrid life/LTC policies that provides professional care-management services to help insureds and families navigate care options. Instead of leaving families to figure out providers, facilities, and care plans on their own, the insurer offers access to a care coordinator"often a nurse or social worker"who assesses needs, develops a plan of care, recommends services, and may help arrange and monitor care. The benefit can be included at no additional charge or provided as an explicit reimbursable service, and it aims to improve claim experience, client satisfaction, and use of appropriate care settings.

Advisors describe care coordination benefits when explaining how LTC and hybrid policies work at claim time. They emphasize that families receive guidance from professionals who understand local resources, policy provisions, and eligibility requirements. During claims, care coordination nurses gather medical information, confirm ADL or cognitive triggers, and help families design a care plan that fits both needs and benefit structures. Advisors encourage policyholders and their families to use this benefit early rather than waiting until a crisis develops. Understanding care coordination benefits allows advisors to position LTC coverage as more than just a check, but as a support system for navigating complex caregiving decisions.