Ltc policy says wife must have state licensed carer to be covered. What happens if one day of care is by someone not licensed? I know not licensed carer is not covered, but if rest of the days the carers are licensed will those licensed carers continue to be covered under the policy? I don't want the company to cancel over one day.
Not sure how the billing goes. Does the agency bill the insurance company? If so, then they must have to send a copy of certification along for each aide you use? If they don't, they don't get paid and then u probably will get billed.
You really need to have this discussion with the agency u hire.
You must discuss this with the policy people themselves and get things in writing; that is use email or any other paper trail you can prove.
If the person you want caring for your wife is able to obtain CNA certification that might be a good option. It would also equip that person with a better knowledge of what to do. And the classes are not long and not real expensive.
Another thought would be that that 1 day that the unlicensed person is caring for your wife would be a day that the insurance does not pay for and you pay out of pocket.
If no one comes back with a better response the way to get the correct information would be to contact the insurance company and ask what the procedure would be in this case.