Home care reimbursement is a benefit feature in many long-term care and hybrid life/LTC policies that pays or reimburses eligible expenses for covered care received at home rather than in a facility. Covered services may include skilled nursing, home health aides, personal-care assistance, and sometimes caregiver training or respite care. Reimbursement benefits are typically subject to daily or monthly maximums and require that care be provided by licensed or approved providers under a plan of care.

Advisors emphasize home care reimbursement when presenting LTC solutions to clients who strongly prefer to age in place. They explain provider requirements, documentation expectations, and how benefits coordinate with family care and informal support. Claims departments review invoices, care logs, and plan-of-care documents to verify eligibility before reimbursing expenses. Understanding home care reimbursement helps advisors set realistic expectations about what qualifies, how to document services, and how much flexibility clients have in choosing caregivers and schedules.