The Hidden Challenges of CNA Long-Term Care Insurance Claims

Did you know?
  • Many CNA policies are legacy or group certificates with varying rules
  • Incomplete or inconsistent documentation is a leading cause of claim delays
  • Elimination periods are often misunderstood and miscounted
  • Michigan home care costs commonly exceed $30–$35 per hour
  • Out-of-pocket costs can add up quickly if claims are not set up correctly
You're facing:
  • Confusing CNA policy language and benefit definitions
  • ADL and cognitive eligibility documentation requirements
  • Uncertainty about calendar-day vs. service-day elimination periods
  • Risk of delayed or denied reimbursement due to paperwork errors

Your Complete Michigan Guide to CNA Long-Term Care Insurance

 

The CNA Long-Term Care Insurance Guide shows you how to:

  • Understand Your CNA Policy Coverage — Navigate benefit limits, reimbursement rules, and legacy policy variations

  • Navigate Benefit Triggers — Learn how ADL limitations and cognitive supervision are evaluated 

  • Prepare for Assessment - Know what to expect during Genworth's nurse evaluation

  • Manage Elimination Periods — Understand how CNA counts eligible days toward benefits

  • Prevent Claim Delays — Avoid the most common CNA documentation and submission mistakes 

  • Use Michigan Resources — Coordinate compliant home care services across Southeast Michigan

Get the Free Guide
cna long term care insurance

Why Trust Care Plan Inc. for Your CNA LTC Needs?

For more than 15 years, Care Plan Inc. has helped Southeast Michigan families navigate complex long-term care insurance claims and home care transitions with confidence.

What makes our CNA guide different:

  • Written by RNs, LPNs, and MSWs experienced with CNA claim workflows 

  • Focused on Michigan-specific home care and documentation requirements 

  • Built around real CNA claim pitfalls we see every day

  • Designed to support reimbursement-based and legacy CNA policy structures

“This guide reflects the exact CNA-specific claim guidance our clinical team provides to Michigan families every day.”

Maximize Your CNA Benefits Today

Don’t risk delays or denials with your CNA long-term care coverage. This Michigan-specific guide helps families understand exactly how to use their CNA policy for home care — without confusion or unnecessary out-of-pocket costs.

 

Download your free CNA guide now and:

  • Understand your CNA policy structure 

  • Navigate the claim process with confidence

  • Avoid common CNA claim delays and denials