New Partnership Offers Caregiver Support Through Long-Term Care Insurance Benefits
Caregivers supporting loved ones with long-term care needs often face exhaustion, confusion, and burnout. A new collaboration between OneAmerica Financial® and Amada Senior Care seeks to change that through a benefit designed to give family caregivers the support they need—when they need it most.
OneAmerica is one of several well-established insurance companies offering long-term care solutions designed to provide both financial protection and peace of mind. Their products are known as “hybrid” or asset-based policies, which combine life insurance or annuities with a qualified long-term care rider. This structure allows policyholders to leverage a single premium or series of payments to create a guaranteed pool of tax-free benefits for long-term care services. If care is never needed, the policy can still provide a death benefit or cash value to beneficiaries, making it a flexible option for individuals who want to protect both their family and their retirement assets.
Amada Senior Care is one of the nation's largest and most respected home care agencies, specializing in non-medical in-home support for older adults. With locations across the United States, Amada is known for delivering compassionate, personalized care that helps seniors remain safely in their homes. The company also offers expert guidance in navigating Long-Term Care Insurance claims and other care funding options, making them a trusted resource for families facing complex care decisions.
Caregiver Consultant
The initiative introduces a new Caregiver Consultant benefit for eligible long-term care insurance policyholders. It includes monthly consultations—offered either virtually or in person—with Amada Senior Care professionals.
These sessions are designed to help caregivers build effective care plans, connect with local services, and get expert guidance to ease their burden.
OneAmerica Financial and Amada Senior Care both take a holistic view of what it means to provide caring expertise for policyholders,” said Jeff Levin, vice president of distribution for Care Solutions at OneAmerica. “When we ease the burden for a caregiver, policyholder, and the entire family, we show that we truly care.
Untrained-Unprepared Family Caregivers Face Stresses
Many families are caught off guard when a loved one suddenly needs help with daily living. Untrained and unprepared, adult children or spouses often step into the caregiver role without fully understanding the physical, emotional, and financial toll it can take.
These caregivers juggle their responsibilities—jobs, children, households—while navigating complex medical decisions and providing hands-on care. The result is often burnout, strained relationships, and substandard care that puts both the caregiver and care recipient at risk.
Having a Long-Term Care Insurance policy can change everything. These policies provide guaranteed, tax-free benefits that help pay for professional in-home care, assisted living, or nursing home services.
More importantly, they relieve families of the exhausting burden of caregiving, allowing them to be present as loving sons, daughters, or spouses—not overwhelmed caregivers. With the right support in place, your loved ones can focus on what matters most: spending meaningful time together.
Tafa Jefferson, founder and CEO of Amada Senior Care, added that this Caregiver Consultant benefit is about more than just fulfilling a contractual obligation.
This collaboration isn’t just about providing a benefit—it’s about addressing the real challenges caregivers face every day,” Jefferson said. “Together, we’re combining our expertise to create a supportive ecosystem for families navigating long-term care.
Data Underscores Caregiver Need
The OneAmerica Financial Leading Tomorrow: 2024 Caregiver Study found:
- 56% of informal caregivers often feel frustrated
- 51% have difficulty balancing caregiving with other responsibilities
- 47% reported feeling burned out
These figures reflect a broader national concern: as long-term care needs rise with age, more family members are stepping in as unpaid caregivers—often without guidance.
LTC News Offers Free Claims Support Through Amada
Families don’t just need emotional support—they also need help managing Long-Term Care Insurance benefits. That’s why LTC News has partnered with Amada Senior Care to provide a free nationwide service to assist families in processing LTC Insurance claims.
This no-cost service helps you:
- Review your LTC Insurance policy
- Confirm benefit eligibility
- File claims and complete documentation
- Coordinate care to activate benefits faster
Families are overwhelmed enough. Our goal is to make sure the claims process doesn’t delay access to care,” said Daniel Pope, Vice President of Operations at LTC News. “With Amada’s team on your side, it’s much easier for a family to navigate Long-Term Care Insurance and focus on your loved one.
This service is available to any policyholder—regardless of insurer—and can be accessed directly through the LTC News Claims Resource Center.
Why This Matters
Long-term care services are expensive, and costs continue to rise. According to the LTC News Cost of Care Calculator, assisted living can easily exceed $60,000 or more annually, while nursing homes and memory care services cost significantly more.
In-home caregivers are also costly, and all these costs vary depending on where you live.
Getting the proper support early—both through obtaining a Long-Term Care Insurance policy and caregiver-focused services—can help protect your income, reduce family stress, and ensure better outcomes.
Learn more about Long-Term Care Insurance by reviewing the LTC News Long-Term Care Insurance Education Center.