Have Long-Term Care Insurance? We Help You Actually Use It.
Most families aren’t sure how to start—or worry about doing it wrong. We guide you step-by-step so you can access care with confidence.Most policies cover care at home—but knowing when and how to start is where families get stuck.
Local guidance for families in Sioux Falls and surrounding communities.
It’s Not the Policy—It’s Knowing What to Do Next
Most families don’t struggle because they don’t have coverage.They struggle because they’re not sure when they qualify, how to start a claim, or what their policy really covers.Sometimes they’ve been told “not yet.”
Sometimes they’re worried about making a mistake.So they wait.And in the meantime, care gets harder and stress builds.
Those Letters Changed a Lot of Policies
If you’ve had long-term care insurance for a while, you may remember receiving a letter about a rate increase.Many families were given a choice—pay significantly higher premiums, or adjust benefits to keep the policy affordable.Some chose to keep the coverage as-is.
Others made changes to reduce the cost.Either way, it often left people unsure of what their policy actually covers today.If that’s you, you’re not alone.We’ll help you understand exactly what you have now—and how to use it.
In many cases, the policy you have today may be very different from the one you originally purchased.
That’s Where We Come In
We don’t sell long-term care insurance.We help families use the policy they already have—the right way, at the right time.We review your policy in plain English, help determine eligibility, guide you through activation, and coordinate care so benefits are actually used.You don’t have to figure this out alone.
A Simple, Guided Process
Conversation
We start with a conversation to understand your situation and review your policy.
Clarity
We explain what’s covered, what’s not, and what to expect.
Next Steps
If care is appropriate, we help you take the next step—without rushing or pressure.
Already Have an Advisor or Agent?
They’re a great resource—and many families start there.They can help you understand your policy, your premiums, and your overall financial picture.What they typically don’t do is walk with you through the moment when care becomes necessary.They’re not usually the ones coordinating claim documentation, helping determine eligibility in real-life situations, or guiding when and how to begin care so benefits are actually used.That’s where we come in.We work alongside your advisor or agent—focusing on the care side and helping you apply your policy to real, day-to-day needs.
Understanding your policy is one step. Knowing how to apply it in real life is another.
Don’t Lose Time During the Elimination Period
Many policies include an elimination period—but it’s not always as straightforward as it sounds.In many cases, it’s time-based, meaning care needs to begin before benefits do.That’s why waiting—even with good intentions—can delay when your coverage actually starts.We help you understand how your policy works, start at the right time, and avoid unnecessary out-of-pocket costs.
This Is for You If…
You or a loved one has a long-term care insurance policy.You remember getting a letter about rising premiums or changing your benefits.Daily activities are becoming more difficult.You’re not sure if it’s time yet.You want to understand your options before making a big decision.
Meet Kevin
If you have long-term care insurance and aren’t sure what to do next, I’ll walk through it with you—step by step.I work directly with families to review policies, explain coverage, and help you take the right next step.Kevin Gullickson, CLTC
Talk With Someone About Your Long-Term Care Insurance
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Families Trust Us to Guide Them Through This
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I highly recommend contacting Amanda Senior Care if you or a family member is in need of senior care. Kevin met with our family and helped us gather all kinds of information so we could make a care plan for my grandma. He walked us through a long term care policy review. [Kevin] made sure we understood everything our plan covered and how to access it at each stage. It was so helpful! We are really thankful to be working with such a wonderful company.
- Jessie H.
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We couldn’t be more grateful for their support. Their team was incredibly understanding, consistently taking time from their busy schedules to assist my mom or simply drop by for a quick visit. We deeply appreciate everything they do for us, including coordinating with my mom’s long-term care policy and arranging her care. I highly recommend them ….
- Cindi J.
Let’s Take the Next Step—Together
Whether you’re ready for care now or just exploring your options, we’ll meet you where you are.Talk with someone local who understands how this works.The sooner you understand your policy, the easier it is to make the right decision.Talk With Someone About Your Long-Term Care InsuranceNo cost. No pressure. Just clear guidance.
Still have questions?
Call 605-223-1970 or text to request a call at a time that works for you.Amada Senior Care Sioux Falls
Non-medical in-home care services
Serving Sioux Falls and surrounding communities📞 605-223-1970A+ Rated by the Home Care Standards Bureau
*Home Care Standards Bureau, https://homecarestandards.net/ - January 2026
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