Family Solutions for Care

What Family Solutions for Care does

Family Solutions for Care (FSC) is a privately held professional services firm headquartered in Lee's Summit, Missouri, founded in 2011 by Wendy and David Rinehart, both veterans of the long-term care (LTC) insurance industry including a prior role at GE Capital Assurance. The company specializes in long-term care insurance claims advocacy, providing policy review, claim filing and approval assistance, retroactive benefit recovery, denied claim resolution, policy reinstatement, and monthly claim auditing on behalf of individual policyholders and their families. Its service addresses the documented complexity of the LTC insurance market, where more than 400,000 policy variations create significant friction for non-specialist families trying to access benefits.

The business model is a freemium professional services model: initial policy reviews are offered at no cost as a lead generation mechanism, with ongoing claim management services billed on a monthly cadence at undisclosed rates. FSC operates without any proprietary technology platform, app, or API, instead relying on deep human expertise, carrier relationships accumulated over more than a decade, and HIPAA-compliant record handling. Its core competitive advantage is a 100% first-time approval rate on claim submissions achieved through interpretation of complex policy language and direct carrier communication.

Go-to-market is direct-to-consumer and sales-led, sourced through a freemium policy review, a nationwide phone line, website contact forms, and an established referral network spanning senior living communities, home health agencies, elder law attorneys, and placement advisors. Customer segments are led by individual policyholders and their families (primary), with the referral partner categories functioning as both channel and indirect customer. The company serves clients across all 50 states and employs between 11 and 50 people under a formalized executive team including a CEO, CFO, Claims Director, and Communications Director.

Name

Family Solutions for Care

Legal name

Family Solutions for Care

Website

https://familysolutionsforcare.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Family Solutions for Care is a privately held LTC insurance claims advocacy firm serving individual policyholders and their families across the U.S., handling policy review, claim filing, denial appeals, retroactive recovery, and monthly claim auditing on a professional services basis.

Ownership category

akta.pro rank

Product category

Long-Term Care Insurance Claims Advocacy

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Services for the Elderly and Persons with Disabilities (624120), Other Individual and Family Services (62419)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Traditional Long-Term Care (LTC) Insurance (FSAIAJAA)

akta.pro secondary industry

Risk Management & Insurance Advisory for Families (FSAAADAK)

Keywords

• Long-term care insurance
• Insurance claims advocacy
• Denied claim appeals
• Policy benefit recovery
• Claim filing services

Headquarters

HQ city

Lees Summit

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. LTC Claims Processing Services: Fees charged for handling long-term care insurance claims on behalf of policyholders. Services include free policy reviews (lead generation), claim filing and approval assistance, retroactive benefit recovery, denied claim resolution, policy reinstatement, and monthly claim auditing.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Family Solutions for Care (FSC) is a service firm that manages the full lifecycle of long-term care (LTC) insurance claims on behalf of individual policyholders and their families. Its offerings include a complimentary LTC policy review, end-to-end claim filing and approval assistance, retroactive benefit recovery, denied claim resolution and appeals, lapsed policy reinstatement, and ongoing monthly auditing of carrier payments.

Product overview

Family Solutions for Care offers a suite of LTC insurance claims advocacy services centered on helping families navigate the complex claims process. The core offering consists of three primary services: Free Long-Term Care Insurance Policy Review (initial assessment of coverage and benefits), LTC Insurance Claim Filing & Approval Assistance (full-service claim submission and ongoing management), and Recover Retroactive Long-Term Care Benefits (back-claims for care already received). These are supplemented by three additional services: Denied Claim Resolution (appeal support for rejected claims), Policy Reinstatement (restoration of lapsed policies), and Monthly Auditing (ongoing verification of correct benefit payments). All services are provided by a team of LTC insurance specialists who handle paperwork, carrier communications, and documentation on behalf of policyholders. The company operates nationwide across all 50 states and does not offer a technology product or software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Long-Term Care Insurance Policy Review

Quantifiable outcome

• 100% first-time approval rate for LTC claim submissions
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Senior Living CommunitiescoreChannel Partner/ Reseller/ DistributorReferral partnerships with senior living communities where FSC handles LTC insurance claims for residents, relieving administrative burden from care facility staff while ensuring accurate monthly claim submissions.
• Home Health AgenciescoreChannel Partner/ Reseller/ DistributorReferral partnerships with home health agencies to support clients with LTC insurance claims, allowing agencies to focus on care provision while FSC manages insurance complexity.
• Elder Law AttorneyscoreChannel Partner/ Reseller/ DistributorCollaborative partnerships with elder law attorneys to provide specialized LTC claims advocacy, complementing legal services with insurance navigation expertise.
• Placement AdvisorsminorChannel Partner/ Reseller/ DistributorReferral relationships with placement advisors who connect families with care options, recommending FSC's claims services during care transition discussions.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• CareScout: CareScout, originally part of Genworth, is one of the most established names in long-term care advocacy and care coordination. It overlaps directly with FSC in helping policyholders navigate LTC insurance claims and broader aging care decisions.
• LTC Financial Partners: LTC Financial Partners specializes in long-term care insurance planning and solutions, working with individuals and families on LTC coverage. It is comparable to FSC in addressing the same LTC insurance customer, though on the planning/sales side rather than claims advocacy.

Emerging players

• A Place for Mom: A Place for Mom is a senior care referral platform that connects families with care options, including help understanding LTC benefits. It is a comparable peer because it sits in the same family-facing senior care decision journey that FSC serves.
• Caring.com: Caring.com is a leading online resource for senior care and LTC planning content with a referral network. It is comparable to FSC because both use educational content to capture families navigating LTC insurance and care decisions.
• CarePatrol: CarePatrol is a senior placement advisory franchise that helps families find senior living and care options, frequently referring clients needing LTC claims help. It is comparable because it operates in the same family-facing senior care decision flow.

Broad incumbents

• Genworth Financial: Genworth is one of the largest U.S. LTC insurance carriers and the originator of CareScout. It is comparable as the dominant counterparty FSC negotiates with on behalf of policyholders.
• Mutual of Omaha: Mutual of Omaha is a major LTC insurance carrier with an active policyholder base. It is comparable because its claims processes and benefit decisions directly shape FSC's day-to-day service delivery.
• New York Life: New York Life is a significant writer of LTC insurance and long-term care riders. It is comparable as a carrier whose policy language and claims practices FSC must navigate across thousands of engagements.

Regional players

• Senior Helpers: Senior Helpers is a national in-home senior care franchise network. It is comparable as a referral partner-type peer in the senior care ecosystem that FSC coordinates with on behalf of LTC policyholders receiving home care.
• Right at Home: Right at Home is a national in-home care and assistance franchise for seniors and adults with disabilities. It is comparable as a home health referral partner that frequently intersects with FSC clients using home care benefits.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/share/12Gu8dqBXn1/?mibextid=wwXIfr
• LinkedInlinkedin.com/company/24800201
• Instagraminstagram.com/familysolutionsforcare
• Xx.com/fscforltcins

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Family Solutions for Care