Care coordinator is a professional"often a nurse, social worker, or geriatric care manager"who helps individuals and families navigate long-term care needs by assessing functional status, recommending services, and overseeing care plans. In LTC insurance, the care coordinator may be employed by or contracted with the insurer to support claimants in using policy benefits effectively. Beyond insurance, independent care coordinators can be hired by families to evaluate living arrangements, coordinate medical providers, and advocate for the clientTMs preferences. The role focuses on aligning medical, personal, and environmental support to maintain quality of life and safety.

Advisors mention care coordinators when describing how LTC policies work in practice and when guiding families who are overwhelmed by caregiving decisions. During claims, the care coordinator interviews the insured, reviews medical records, and confirms eligibility triggers such as ADL impairments or cognitive decline. They then suggest home care, adult day care, assisted living, or nursing home options, and may help monitor ongoing care quality. Advisors encourage clients to view the care coordinator as a partner in decision-making, not as someone solely focused on controlling costs. Understanding care coordinators helps advisors present LTC planning as a combination of funding and professional guidance.