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What to Do When You Receive an LTC Insurance Premium Increase Notice

LTC insurance premium increase Letter

You’ve paid your long-term care insurance premiums faithfully for years—sometimes decades. Then the letter arrives. Your LTC insurance premium increase is 40%, 60%, or even higher. This scenario has become increasingly common, with some policyholders facing cumulative increases of 150% to 250% over the life of their policies.

It’s frustrating. It feels unfair. And it raises an uncomfortable question: What should you do now?

The good news is that you have options. Understanding why these increases happen and what choices are available can help you make a decision that protects both your coverage and your financial security.

Why LTC Insurance Premiums Are Rising

Before deciding how to respond to an LTC insurance premium increase, it helps to understand why insurers are raising rates in the first place.

Understanding the causes of your LTC insurance premium increase helps you evaluate your options. When long-term care insurance first became popular in the 1980s and 1990s, insurance companies made several assumptions that turned out to be wrong:

  • They expected about 4% of policyholders would let their policies lapse each year. The actual lapse rate? Only about 1%.
  • They underestimated how long people would live and how much care they would need.
  • They didn’t anticipate how dramatically care costs would rise.
  • Interest rates dropped, reducing the investment returns insurers counted on to fund future claims.

According to a 2024 Society of Actuaries survey of 17 major insurers, the average rate increase approval across states was 28%. However, some jurisdictions—including Nebraska and Texas—have approved increases exceeding 100%. Most large increases are phased in over time, but the cumulative effect can still be substantial.

The result: Millions of policyholders who purchased coverage expecting stable premiums are now facing difficult choices.

Your Options When Facing an LTC Insurance Premium Increase

When you receive a rate increase notice, you typically have several paths forward. Each comes with trade-offs worth considering carefully.

Each option for handling an LTC insurance premium increase comes with trade-offs worth considering carefully.

Option 1: Pay the Higher Premium

If the LTC insurance premium increase is manageable within your budget, keeping your full coverage may make sense. Consider this perspective: 22 years of average long-term care premiums equal approximately five months in a nursing home. As you approach an age when you’re more likely to need care, maintaining your original benefits becomes increasingly valuable.

▶ Important: Check your increase notice carefully. Some states have already approved future rate increases, meaning your premiums may rise again. Understanding the full trajectory helps you plan.

Option 2: Reduce Your Daily Benefit

Many insurers allow you to lower your daily benefit amount to offset the LTC insurance premium increase. For example, if your policy currently provides $300 per day, you might reduce it to $200 per day to keep premiums affordable.

This approach keeps your coverage active while reducing costs. The trade-off is that your benefits may not fully cover care expenses when you need them, and you’ll need to make up the difference out of pocket.

Option 3: Shorten Your Benefit Period

Another option is reducing the length of time your policy will pay benefits. If you currently have a five-year benefit period, you might shorten it to three years or even two years.

Research supports this approach more than you might expect. A RAND study examining 18 years of nursing home data found that 90% of older adults who spent any time in a nursing home stayed for fewer than 3 years in total. Only about 27% stayed longer than 100 days. For many people, a shorter benefit period still provides meaningful protection.

Option 4: Reduce or Remove Inflation Protection

If your policy includes an inflation rider that increases your benefits each year, removing or reducing it can lower your premium. However, consumer advocates generally recommend preserving inflation protection if possible—especially for policyholders in their 60s or early 70s who may not need care for another 15-20 years.

Care costs continue rising. Today’s benefit amounts may fall far short of tomorrow’s expenses if your coverage doesn’t keep pace with inflation.

Option 5: Convert to a Paid-Up Policy

Some policies include a nonforfeiture benefit that allows you to stop paying premiums while retaining reduced coverage. This is sometimes called a “paid-up” option.

There are two common forms:

  • Reduced Paid-Up Benefit: Your daily benefit amount decreases, but the benefit period stays the same.
  • Shortened Benefit Period: Your daily benefit stays the same, but the coverage period is reduced.

Not all policies include these options, and you typically need to have held the policy for at least three to five years. Check your policy documents or contact your insurer to see what’s available.

Option 6: Use Contingent Nonforfeiture

Tax-qualified long-term care insurance policies are required to include a contingent nonforfeiture benefit. If your LTC insurance premium increase exceeds a certain threshold based on your age, you may be eligible to receive partial benefits equal to the total premiums you’ve paid—even if you let the policy lapse.

This serves as a safety net, ensuring you don’t lose everything you’ve invested if the premium becomes unaffordable.

What You Should Avoid Doing

When facing an LTC insurance premium increase, some responses can leave you worse off:

✕ Don’t simply let your policy lapse. If you stop paying premiums without exploring alternatives, you may lose all coverage and any value you’ve built up. At a minimum, check whether nonforfeiture benefits are available.

✕ Don’t assume you can buy a new policy elsewhere. If you purchased your policy years ago, you were likely younger and healthier. Buying new coverage at an older age—with whatever health conditions you now have—will almost certainly cost significantly more. Between the ages of 70 and 79, about 44% of applicants are denied coverage due to health issues.

✕ Don’t make a panicked decision. Premium increase notices typically give you time to respond. Use it to carefully review your options, consult with a financial advisor if needed, and make an informed choice.

How to Make the Right Decision for Your Situation

The best response to an LTC insurance premium increase depends on your individual circumstances. Consider these factors:

Your age and health:

If you’re in your late 70s or older and in declining health, you may be closer to needing benefits. Reducing coverage now could mean less protection when you need it most.

Your financial situation:

Can you comfortably absorb the increase? If paying higher premiums means cutting back on essentials or dipping into savings, adjusting your coverage may be the wiser path.

Your other resources:

Do you have savings, home equity, or family support that could help cover care costs if your insurance falls short? Your policy doesn’t need to cover 100% of potential expenses—it just needs to provide meaningful help.

Your policy’s current value:

If your policy has grown significantly due to inflation protection, you may have substantial benefits available. Understand what you’d be giving up before making changes.

Questions to Ask Your Insurance Company

Before responding to an LTC insurance premium increase, contact your insurer and ask:

✓ What are all my options? — Insurers sometimes offer choices beyond what’s listed in the increase notice.

✓ Are additional increases planned? — Knowing whether more increases are coming helps you plan.

✓ What are my current benefits worth? — If you have inflation protection, your benefit pool may have grown substantially.

✓ What happens if I take the paid-up option? — Get specifics on how much coverage you’d retain.

✓ Is contingent nonforfeiture available? — Understand your safety net.

The Bigger Picture

An LTC insurance premium increase is frustrating, but it doesn’t necessarily mean your policy isn’t valuable. In 2024, long-term care insurers paid out more than $16.8 billion in claims to policyholders. Since these policies were first introduced, total claims paid exceed $193 billion, supporting over 1.8 million individuals.

For many families, long-term care insurance has provided a crucial financial lifeline when care was needed. The question isn’t whether these policies can help—it’s whether the current terms work for your situation.

Take time to understand your options. Ask questions. Consult with a financial advisor or insurance specialist if needed. The right decision balances affordability with protection, ensuring you maintain meaningful coverage without compromising your financial security.

References

  1. Society of Actuaries. (2025). LTC Rate Increase Landscape Update. https://www.soa.org
  2. AHIP. (2025). Long-Term Care Insurance Coverage: State-to-State 2025 Report. https://www.ahip.org
  3. AARP. (2025). Best Options for Long-Term Care Insurance Rate Hikes. https://www.aarp.org
  4. American Association for Long-Term Care Insurance. (2024). Long-Term Care Insurance Facts and Statistics. https://www.aaltci.org
  5. New York Department of Financial Services. (2024). Long-Term Care Insurance Optional Benefits. https://www.dfs.ny.gov

We Can Help You Navigate Your Long-Term Care Insurance

At All Heart Home Care, we work with families every day who are figuring out how to pay for the care their loved ones need. As San Diego’s long-term care insurance claim experts, we understand how these policies work and can help you make the most of your benefits when you’re ready to use them.

If you’re facing an LTC insurance premium increase and wondering how to proceed, or if you’re ready to start using your policy, we’re here to help. Our nurse-led team has helped hundreds of San Diego families successfully navigate the claims process.

Call us at (619) 736-4677 to discuss your situation. We’ll help you understand your options and create a care plan that works with your coverage.

Disclaimer: This article is for informational purposes only and does not constitute financial or insurance advice. Always consult with qualified financial advisors or insurance professionals before making decisions about your long-term care insurance coverage.

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About the author

Eric Barth, co-founder and CEO of All Heart Home Care San Diego

Eric Barth

CEO, All Heart Home Care

Eric Barth is the founder and CEO of All Heart Home Care™, an award-winning San Diego agency dedicated to providing compassionate, personalized in-home care for seniors. As the writer behind the All Heart Home Care blog, Eric shares insights and stories drawn from years of hands-on experience leading one of San Diego’s most trusted home care teams.

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Additional FAQ's on Digital Home Care System

Yes. HITRUST CSF Certified security—same gold standard hospitals use. More secure than paper.

Extremely rare (99.9% uptime), but caregivers can work in offline mode if connectivity is temporarily lost. Care continues without interruption. Documentation syncs automatically when connection returns.

Caregivers document throughout their shift in real-time. Notes are typically finalized and visible in Family Room within minutes of the caregiver clocking out.

We can set up Family Room accounts for as many family members as you want—local siblings, children in other states, anyone you authorize. Everyone sees the same information. No limit on number of accounts.

Yes. Family Room includes secure document storage. Upload medical records, insurance cards, POLST forms, medication lists, doctor’s instructions, photos—anything important. All authorized family members can access these documents. No more searching for forms.

We update the digital care plan immediately, and all caregivers receive instant notification of changes. This is one of the biggest advantages over paper—updates reach everyone simultaneously, not gradually over days or weeks.

Absolutely. Family Room is a tool for families who want it, not a replacement for human connection. We’re always reachable by phone at (619) 736-4677. Many families use both—portal for quick updates, phone calls for detailed conversations.

We train every caregiver on the WellSky mobile app before their first shift. The app is intuitive—designed specifically for caregivers, not engineers. If someone can text and use GPS navigation, they can use our caregiver app. And we provide ongoing support.

Yes. The Family Room care calendar shows upcoming shifts with caregiver names and times. You’ll know exactly who’s coming and when. No more surprise caregiver switches.

Use the two-way messaging feature in Family Room. Send your message, and the caregiver receives an instant notification on their mobile app. They’ll see it and can respond or confirm receipt immediately.

Yes. All notes are searchable. Want to see every mention of “appetite” from the past month? Type it in the search bar and find all relevant notes instantly. No more flipping through pages of handwritten entries.

You can access the complete care history from the day Family Room access began. Review notes from last week, last month, or since care started. Historical data helps identify patterns over time.

Family members cannot delete caregiver documentation—that’s protected and maintained by All Heart for record-keeping purposes. You can delete your own uploaded documents, but we can often recover those if needed within a certain timeframe.

With your authorization, we can provide limited Family Room access to healthcare providers. This allows better coordination between home care and medical teams. You control exactly who has access and what they can see.

Family Room works both ways. You can access it through any web browser (Chrome, Safari, Firefox, Edge) on your computer, or download the mobile app for easier access on your phone or tablet. Your choice.

All authorized Family Room users see the same care information—we can’t create different access levels for different family members. However, you (as the primary contact) control who gets Family Room access in the first place. If family dynamics are challenging, you decide who receives login credentials.

The messaging system shows when messages are delivered and read. You’ll see confirmation that the caregiver received and opened your message. For critical information, you can also call our office to ensure the message was received.

Yes. You can print individual shift notes, date ranges, or specific types of documentation (like Change of Condition reports) directly from Family Room. Useful for doctor appointments or insurance purposes.

If your loved one transitions to hospice, hospital, or another care setting, we can maintain your Family Room access for a transition period so you have complete records. After care ends, we provide a final data export if requested, then access is closed according to your wishes and legal requirements.

Yes. Family Room is accessible from anywhere with internet connection. If you’re traveling abroad, you can still check on your loved one’s care. The system works globally.

Family Room doesn’t support selective information sharing—all authorized users see the same care documentation. For private family communications, you’d need to use personal email, phone, or text outside the Family Room system.

Change of Condition reports automatically alert you when caregivers document significant health changes. For custom alerts (like specific behaviors or situations), talk to our office—we may be able to add special flags to your loved one’s care plan that trigger notifications.

We typically set up Family Room access during your initial care planning meeting, before the first caregiver shift. You’ll have login credentials and a brief tutorial on how to use the portal. Most families are viewing their first shift notes within 24 hours of care beginning.

Complete Security & Privacy Information

HITRUST CSF Certification - What This Means

HITRUST CSF (Common Security Framework) is the most rigorous security certification in healthcare. It's harder to achieve than HIPAA compliance alone. This certification requires:

  • Annual independent security audits by certified assessors
  • Continuous monitoring of security controls
  • Documented policies and procedures for data protection
  • Employee security training and background checks
  • Incident response and disaster recovery plans
  • Regular penetration testing to identify vulnerabilities

Why it matters: If it’s secure enough for hospital patient records, it’s secure enough for your loved one’s care information.

Bank-Level Encryption Explained

Data in Storage (At Rest):

  • All information stored on WellSky servers is encrypted using AES-256 encryption
  • This is the same encryption standard used by banks and the U.S. military
  • Even if someone physically accessed the servers, they couldn't read the data without encryption keys

Data in Transmission (In Transit):

  • When you access Family Room from your phone or computer, all data traveling between your device and our servers is encrypted using TLS 1.2 or higher
  • This is the same technology that protects your online banking
  • The "lock" icon in your browser address bar confirms this encryption

What this means: Even if someone intercepted the data (extremely unlikely), they would only see scrambled, unreadable information.

Strict Access Controls

Who Can See What

Family Member Access:

  • You decide exactly which family members get Family Room login credentials
  • Each person has their own unique username and password
  • You can add or remove access at any time
  • Family members can only view information for your loved one—no one else's

Caregiver Access:

  • Caregivers only see care plans for clients they're actively assigned to
  • When a caregiver is no longer working with your loved one, their access to that care plan is immediately revoked
  • Caregivers cannot access billing information or family contact details

Staff Access:

  • All Heart staff access is role-based and monitored
  • Office staff see only the information necessary for their job function
  • Nursing supervisors have broader access for quality oversight
  • All access is logged with timestamps

Audit Trail:

  • Every action is logged: who accessed what information, when, and from where
  • These logs are regularly reviewed for any suspicious activity
  • Logs are maintained for compliance and security purposes

HIPAA Compliance - Federal Protection

The Health Insurance Portability and Accountability Act (HIPAA) establishes federal standards for protecting health information. Our compliance includes:

Privacy Rule Compliance:

  • Your loved one's health information is never shared without authorization
  • You control who has access to information
  • Clear privacy policies explain how information is used

Security Rule Compliance:

  • Administrative safeguards (policies, training, access management)
  • Physical safeguards (secure facilities, workstation security)
  • Technical safeguards (encryption, authentication, audit controls)

Breach Notification:

  • In the extremely unlikely event of a data breach, affected individuals are notified promptly as required by law
  • We maintain insurance and procedures for breach response

Business Associate Agreements:

  • WellSky (our technology provider) has signed formal agreements guaranteeing HIPAA compliance
  • All vendors with potential access to data must meet the same standards

Continuous Backup & Disaster Recovery

Automated Backups:

  • Data is backed up automatically multiple times per day
  • Backups are encrypted and stored in geographically separate secure data centers
  • This protects against hardware failure, natural disasters, or other catastrophic events

Redundancy:

  • Data is stored across multiple servers simultaneously
  • If one server fails, others immediately take over
  • No single point of failure in the system

Disaster Recovery Plan:

  • Formal, tested procedures for recovering from any disaster scenario
  • Regular drills ensure the recovery plan actually works
  • Recovery Time Objective (RTO): System restored within hours, not days
  • Recovery Point Objective (RPO): Minimal data loss (minutes, not hours)

What this guarantees: Your loved one’s care information is never truly lost. Even if an entire data center were destroyed, complete backups exist elsewhere.

99.9% Uptime Guarantee

What “99.9% uptime” means:

  • The system is available and functional 99.9% of the time
  • That translates to less than 9 hours of downtime per year
  • Most families never experience a single outage

Monitoring:

  • System performance monitored 24/7/365
  • Automated alerts notify technical teams of any issues immediately
  • Problems are often resolved before users even notice them

If the system goes down:

  • Caregivers can work in offline mode on their mobile devices
  • Care continues without interruption
  • Documentation is saved locally and syncs automatically when connection returns
  • Your loved one's care never depends on perfect internet connectivity

Multi-Factor Authentication (Optional)

For families who want extra security, we can enable multi-factor authentication (MFA):

  • Requires both password AND a code sent to your phone
  • Even if someone stole your password, they couldn't access your account without your phone
  • Optional but recommended for families with high security concerns

Mobile Device Security

Caregiver Phones:

  • WellSky mobile app requires login credentials
  • Apps lock automatically after inactivity
  • No data is stored permanently on caregiver phones—it's accessed from secure servers
  • If a phone is lost or stolen, we can remotely disable access immediately

Your Devices:

  • Family Room is accessed through secure web browsers or mobile apps
  • You can log out from any device at any time
  • Session timeouts prevent unauthorized access if you forget to log out

Security Incident Response

In the extremely unlikely event of a security concern:

  • Detection: Automated systems and staff monitoring detect potential issues immediately
  • Response: Security team investigates and responds within minutes
  • Containment: Affected systems isolated to prevent spread
  • Resolution: Issue resolved and systems secured
  • Notification: Affected users notified as required by law
  • Review: Incident analyzed to prevent future occurrences

Digital vs. Paper Security Comparison

Security Concern
Paper Binders
WellSky_Color

Who can read it?

Anyone who enters the home

Only authorized users

Can it be lost?

✔︎ — permanently

✕ — backed up continuously

Can it be damaged?

✔︎ — spills, fires, floods

✕ — stored digitally

Is access tracked?

✕

✔︎ Access logged & audited

Encryption protection?

✕

✔︎ — bank-level encryption

Updates reach everyone?

✕ — printing/distribution delays

✔︎ — instant notification

Survives disasters?

✕

✔︎ — redundant backups

HIPAA compliant?

✕ — difficult to prove

✔︎ — certified & audited

Can be accidentally discarded?

✔︎

✕ — requires a password

Verdict: Digital is significantly more secure than paper in every measurable way.

Common Security Questions

"What if I forget my password?"

Secure password reset process via email or phone verification. We verify your identity before resetting access.

"Can hackers access the system?"

Multiple layers of security make unauthorized access extremely difficult. Regular penetration testing simulates attacks to identify and fix vulnerabilities before hackers can exploit them.

"What if my phone is stolen?"

Change your password immediately from any other device. The thief would still need your password to access Family Room.

"Can All Heart staff see my credit card information?"

No. Payment processing is handled by a separate, PCI-compliant payment processor. We never see or store your full credit card number.

"What happens to the data if I stop using All Heart?"

Your data is retained according to legal requirements (typically 7 years for healthcare records), then securely deleted. You can request a copy of your data at any time.

This isn’t just secure—it’s among the most secure systems available in healthcare.

Your information is safer in our digital system than it ever was in a paper binder sitting on a kitchen counter.

Complete Care Plan Contents:

Care Goals & Priorities

  • What matters most to your family (safety, remaining at home, socialization, quality of life)
  • Family's priorities for daily care
  • Long-term care objectives

Emergency Contact Information

  • Primary and secondary emergency contacts
  • Preferred contact methods (call, text, email)
  • Contact priority order

Medical Conditions & Health History

  • Chronic conditions (dementia, Parkinson's, diabetes, heart conditions, etc.)
  • Recent hospitalizations or surgeries
  • Functional limitations (hearing, vision, mobility, speech)
  • Allergies and medication sensitivities
  • DNR status and advance directives

Mental Health & Cognitive Status

  • Dementia staging (if applicable): none, forgetful, mild, moderate, severe
  • Specific symptoms and behavioral patterns
  • Triggers that cause agitation or confusion
  • Calming strategies that work
  • Best times of day for activities
  • Communication preferences and techniques

Medications & Supplements

  • Complete medication list with dosages
  • Administration times and frequency
  • Medication reminder schedules
  • Who manages medications in the household
  • Special instructions (with food, before bed, etc.)

Mobility & Transfers

  • Mobility equipment used (walker, wheelchair, cane, gait belt)
  • Fall risk assessment
  • Transfer assistance needs
  • Use of dominant arm/hand (left or right)
  • Weight-bearing limitations

Personal Care Routines

  • Bathing preferences and frequency (shower, bath, sponge bath)
  • Grooming and hygiene assistance levels
  • Dressing assistance needs (independent, light assist, total assist)
  • Dental care and denture management
  • Skin care requirements

Meal Preparation & Dietary Needs

  • Favorite foods and meal preferences
  • Food allergies and restrictions
  • Special diets (diabetic, low-sodium, pureed, etc.)
  • Meal times (breakfast, lunch, dinner, snacks)
  • Appetite patterns and hydration goals
  • Swallowing difficulties or feeding assistance

Daily Routines & Schedules

  • Morning routine (wake time, preferences)
  • Afternoon activities and needs
  • Evening routine (dinner time, bedtime)
  • Sleep patterns and nighttime assistance
  • Napping schedule

Activities & Engagement

  • Favorite hobbies and interests
  • Activities at home (reading, games, music, crafts)
  • Activities away from home (parks, outings, restaurants)
  • Social preferences and visitor information
  • Brain health and cognitive activities

Home Environment Details

  • Gate codes and access instructions
  • Lockbox location and code
  • Parking information for caregivers
  • Pet care instructions (feeding, walking, behavior notes)
  • Safety equipment locations (grab bars, shower bench, raised toilet seat, bed rails)
  • Camera locations (if applicable - California law requires disclosure)

Transportation & Driving

  • Does client drive?
  • Caregiver transportation needs (errands, appointments)
  • Vehicle information (client's car vs. caregiver's car)
  • Parking permit requirements

Additional Important Information

  • Cultural or religious considerations
  • Language preferences
  • Communication style preferences
  • Special instructions or family notes

This comprehensive information ensures every caregiver provides consistent, personalized care from day one.

Tracking health changes that matter.

The Change of Condition form documents significant shifts in your loved one’s health—new symptoms, changes in mobility, behavioral differences, or improvements in their condition. This isn’t about minor day-to-day variations; it’s about meaningful changes that physicians, families, and caregivers need to know about.

Why have a separate form for this?

Instead of searching through weeks of caregiver narratives to find when symptoms started or conditions changed, this form puts all significant health changes in one easy-to-reference place. When doctors ask “when did the difficulty walking begin?” or family members want to understand the progression of a condition, you’ll have clear, dated documentation right at your fingertips.

What gets documented:

Each entry includes:

  • Date the change was observed
  • Description of the change in condition (symptoms, behaviors, mobility changes, cognitive shifts, or improvements)
  • Caregiver instructions based on the change (new monitoring requirements, adjusted assistance levels, safety precautions, or care plan modifications)
  • Authorization source (Client, Family, Doctor, or Agency)
  • Expiration date for temporary instructions (or marked as "Indefinitely" for ongoing changes)
  • Caregiver acknowledgments confirming they've read and understood the new instructions

Why this form matters:

Early detection changes outcomes. When caregivers notice something different—increased confusion, difficulty walking, loss of appetite, or even positive improvements like better mobility—documenting it immediately allows for faster responses.

Your family stays informed about meaningful health changes. Physicians receive accurate updates during appointments instead of relying on memory. Incoming caregivers know exactly what’s changed and what new precautions or assistance your loved one needs.

One form. Complete health timeline. Better care.

Whether tracking a temporary change after a fall or documenting the progression of a chronic condition, the Change of Condition form creates a clear health timeline. This helps everyone—doctors, family members, and our San Diego caregiver team—understand how your loved one’s needs are evolving and respond appropriately.

Proactive monitoring isn’t just good practice. It’s essential senior care.

How the Caregiver Narrative works.

Each caregiver documents their shift using a simple timeline format that captures the essential details of your loved one’s day. This structured approach ensures consistency across all caregivers and makes information easy to find.

What we document in every narrative:

  • Daily health observations and changes in condition
  • Meals, snacks, and hydration intake
  • Mobility assistance and transfer support
  • Activities completed, mood, and engagement levels
  • Social interaction, conversation topics, and preferences
  • Safety concerns or environmental changes noticed
  • Medication reminders provided (when applicable)
  • General well-being updates and family notes

Narrative Format:

Each entry follows this structure:

  • Start Date | Start Time | Caregiver Name
  • Timeline Narrative (chronological notes throughout the shift documenting activities, meals, observations, assistance provided, and any notable moments)
  • End Date | End Time | Caregiver Name

Why this format works:

This timeline approach provides clear, chronological documentation that’s easy for incoming caregivers to read and understand. Instead of wondering what happened during the previous shift, they can see exactly what your loved one ate, how they felt, what activities they enjoyed, and any health changes observed.

One record. Every shift. Complete continuity.

Whether care is short-term, long-term, or evolving, the Caregiver Narrative ensures nothing gets missed and nothing gets repeated. Your family can review the journal at any time during visits, or we can share photos of recent narratives with long-distance family members who want to stay connected and informed.

Complete transparency and peace of mind, right when you need it.

Your loved one's complete care roadmap, now available digitally.

The All Heart Customized Care Plan is completed during your initial assessment and tailored to your loved one’s specific needs, preferences, mobility level, and safety requirements.

Now fully digital and accessible on every caregiver’s phone.

We’ve gone paperless. Your care plan is accessible through our digital platform—caregivers reference it anytime, anywhere. Updates happen in real-time, so when something changes, every caregiver sees it immediately.

What's included:

Care goals, emergency contacts, medical conditions, mental health & cognitive status, medications & supplements, mobility & transfers, personal care routines, meal prep & dietary needs, daily routines, activities & engagement, and home environment details.

One plan. Every caregiver. Consistent care.

This digital approach ensures every San Diego caregiver has the same accurate, up-to-date information from day one—promoting safety, continuity, and person-centered care.

See how we organize care information. This form becomes your loved one’s digital care roadmap.