7 Day Home Care Accepts UNUM Long-Term Care Insurance

Brian Callahan 7 Day Home Care • October 17, 2025

For more years, 7 Day Home Care has proudly provided trusted, compassionate, and professional in-home care services to families throughout the region. Our long-standing experience has allowed us to build deep expertise in coordinating care for clients with UNUM Long Term Care Insurance, ensuring a smooth and stress-free process from start to finish. We understand the complexities of long-term care policies and work directly with UNUM to help our clients maximize their benefits while receiving the personalized support they deserve. Whether it’s assistance with daily activities, skilled nursing, or companionship, 7 Day Home Care is dedicated to delivering consistent, high-quality care that enhances comfort, independence, and peace of mind for every client we serve. Our commitment to excellence, reliability, and transparent communication has made us a trusted partner for UNUM policyholders and their families for many years.

A healthcare worker in blue scrubs smiles in a care facility. Two elderly patients sit on a couch in the background.

Helping Families Access Trusted, Licensed In-Home Care in New York

At 7 Day Home Care, we proudly accept Unum Long-Term Care Insurance and help families across Manhattan, Queens, Brooklyn, Nassau County, and Suffolk County, NY access compassionate, high-quality in-home care without the stress of navigating insurance paperwork. Our team works directly with Unum’s long-term care department to simplify claims, expedite reimbursements, and ensure your loved one receives the full benefits they deserve for professional home care services.


What Is Unum Long-Term Care Insurance and Why It Matters

Unum Long-Term Care Insurance helps pay for services that Medicare and traditional health insurance often don’t cover—especially non-medical assistance that supports seniors and individuals with chronic conditions at home. These services include help with Activities of Daily Living (ADLs), which Unum uses as a primary measure to determine eligibility for long-term care benefits.

Unum typically begins coverage when a policyholder needs assistance with at least two ADLs or has a documented cognitive impairment, such as Alzheimer’s or dementia. 7 Day Home Care’s team of registered nurses (RNs) ensures each assessment aligns perfectly with Unum’s clinical requirements to establish eligibility and maintain compliance.


Understanding ADLs: The Foundation of Long-Term Care Coverage

Activities of Daily Living (ADLs) are the essential self-care tasks we all perform daily. For seniors or individuals recovering from illness or injury, these activities may become challenging—making home care vital for independence and safety.


Here are the six primary ADLs recognized by Unum and most long-term care insurance providers:


  1. Bathing: Safely washing and grooming oneself, including getting in and out of the shower or tub.
  2. Dressing: Selecting and putting on appropriate clothing independently.
  3. Eating: Feeding oneself, even if meals are prepared by someone else.
  4. Toileting: Getting to and from the toilet and maintaining proper hygiene.
  5. Transferring: Moving in and out of bed or chairs safely.
  6. Continence: Managing bladder and bowel control or related assistive devices.


When an individual needs help with two or more ADLs—or has cognitive decline—Unum policyholders are typically eligible to receive in-home care benefits.


At 7 Day Home Care, we perform nurse-led ADL assessments that clearly document these needs, ensuring accurate and fast claim approvals through Unum.


How 7 Day Home Care Supports Unum Policyholders

We specialize in guiding families through every step of the Unum long-term care claim process. Our mission is to make high-quality, licensed home care easy to access and stress-free to manage.


1. Personalized Nurse Assessment

Our Registered Nurses evaluate your loved one’s condition, identify ADL limitations, and develop a care plan that satisfies Unum’s medical necessity requirements.


2. Certified Home Health Aides (HHAs)

All our caregivers are New York State–certified HHAs, trained to assist with ADLs, medication reminders, mobility support, meal preparation, and safety supervision. Every aide is supervised by an RN to ensure consistent quality and compassionate care.


3. Comprehensive Claim Support

Our administrative team assists with all insurance-related tasks, including:

  • Verifying your Unum policy and coverage limits
  • Completing and submitting care documentation
  • Managing ongoing communication with Unum adjusters
  • Providing accurate daily care logs and nurse notes for reimbursement


With 7 Day Home Care, your family can focus on comfort and healing—while we handle the paperwork.


Why Families Choose 7 Day Home Care for Unum-Covered Services

  • ✅ Licensed & Accredited: Approved by the New York State Department of Health
  • ✅ Nurse-Supervised Care: RNs oversee every care plan and ensure compliance
  • ✅ Flexible Scheduling: Hourly, overnight, and live-in care available
  • ✅ Full Coordination with Unum: Direct communication for seamless reimbursement
  • ✅ Coverage Across NYC & Long Island: From Manhattan to Montauk, our caregivers are there when you need them


Our reputation as a top-rated home care agency in New York makes us a trusted choice for families using Unum Long-Term Care Insurance.


Frequently Asked Questions

1. Does Unum cover in-home care through 7 Day Home Care?
Yes. If your policy includes home care benefits and you meet Unum’s ADL or cognitive eligibility criteria, 7 Day Home Care’s certified caregivers can provide all covered services, including personal care, companionship, and daily living assistance.

2. How do I start using my Unum benefits?
Contact 7 Day Home Care for a free nurse assessment. We’ll verify your coverage, complete the necessary forms, and coordinate directly with Unum for claim submission.

3. Can Unum cover live-in or overnight caregivers?
Yes. Depending on your policy, Unum may cover overnight or 24-hour live-in home care if continuous supervision or assistance is medically necessary.

4. How long does approval take?
Once your eligibility and plan of care are verified, most Unum-covered home care services can begin within 24 to 48 hours.


Start Unum Home Care Services with 7 Day Home Care Today

If you or your loved one holds an Unum Long-Term Care Insurance policy, 7 Day Home Care is here to help you access your benefits easily and confidently. From initial eligibility assessments to daily care documentation and Unum claim coordination, we manage every detail to ensure a smooth experience and uninterrupted care.


To get started, call 7 Day Home Care at (516) 408-0034 or visit www.7dayhomecare.com to schedule your free nurse consultation.


Discover why families across Manhattan, Queens, Brooklyn, Nassau, and Suffolk County trust 7 Day Home Care for licensed, Unum-approved home care services in New York. 7 Day Home Care is the top Long Term Care Insurace and private pay in-home care services provider throughout Long Island, NYC, Manhattan,  Queens, and Brooklyn, New York. 7 Day Home Care is a licensed home care agency under New York State Department of Health. To learn more about how to use our in-home care services with your UNUM Long Term Care Insurance in New York, please call 516-408-0034 today.


Brian Callahan

7 Day Home Care

Elderly woman in wheelchair smiles at a nurse taking her blood pressure indoors near a window.

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A smiling nurse in blue scrubs using a stethoscope on an elderly patient indoors.

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Woman forming a heart shape with her hands, smiling, indoors.

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Caregiver assists elderly woman down stairs, holding her hand for support.

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Woman in blue scrubs washing dishes in a kitchen with granite countertops, stainless steel sink, and stairs in the background.

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Woman comforts elderly woman, sitting on a couch; a walker is nearby in a home setting.

Why Cancer Spreads Despite Treatment: How It Reprograms Your Body’s Support System

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Isolated Woman with head in hand, seated at a table by a window; appears distressed.

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Elderly people clinking glasses of wine and cocktails, toasting at a sunny outdoor gathering.

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