Find a Reliable Agent
If your loved one or parent has a long-term care insurance policy, it can be an excellent resource in helping to cover the expenses of their care. However, the benefits depend entirely on the policy, and trying to understand the policy – along with how the claims process works – can seem overwhelming during an already stressful time. There are few resources to turn to if you need help, and you can’t always assume that the insurance company is on your side: After all, adjusters are trained to keep their company’s best interests in mind – not yours.
Successfully filing a long-term care insurance claim requires extensive amounts of time and attention to detail, and claims must be filed every single month.
Your first step should be reading and understanding your loved one’s policy before filing a claim. Incomplete documentation can delay the claims process or even result in a denial of your claim.
If you’re struggling to understand your policy, take a deep breath: there are specialists who can help.