The Hidden Challenges of RiverSource Long-Term Care Insurance Claims

Did you know?
  • Many RiverSource LTC policies are older or closed-block plans
  • Coverage rules vary significantly by policy form and rider
  • Elimination period rules are often misunderstood
  • Documentation gaps commonly delay reimbursement
  • Home care costs in Michigan can exceed $70,000 annually for full-time support
You're facing:
  • Unclear RiverSource benefit triggers and eligibility rules
  • Confusion about reimbursement vs. indemnity benefits
  • Risk of delays due to legacy documentation requirements
  • Uncertainty about qualifying providers and services

Your Complete Michigan Guide to RiverSource Long-Term Care Insurance

 

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

  • Understand Your RiverSource Policy Structure — Including riders and legacy benefit designs 

  • Navigate Benefit Triggers — ADL and cognitive eligibility explained clearly

  • Prepare for Assessments — Know what RiverSource reviewers look for 

  • Manage Elimination Periods — Avoid miscounted or uncredited days 

  • Prevent Claim Delays — Reduce administrative back-and-forth 

  • Access Michigan-Based Care — Align home care with policy requirements

Get the Free Guide
Senior woman reviewing insurance documents with caring professional

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

Care Plan Inc. has guided Southeast Michigan families through long-term care insurance claims for more than 15 years, including complex RiverSource legacy policies.

What makes our RiverSource guide different:

  • Built by clinicians familiar with RiverSource policy variations

  • Designed to reduce delays common with older LTC contracts 

  • Grounded in real claim experience, not generic advice

  • Our caregivers are specially trained to meet Genworth's documentation requirements

“This guide reflects the real-world RiverSource claim guidance our clinical team uses with Michigan families.”

Maximize Your RiverSource Benefits Today

Avoid confusion, delays, and preventable claim mistakes. This guide helps Michigan families understand how to use RiverSource long-term care insurance for home care with clarity and confidence.

 

Download your free RiverSource Benefits guide now and:

  • Understand your RiverSource policy

  • Navigate claims correctly

  • Avoid common legacy-policy pitfalls