Don’t Make Costly Mistakes

Millions of financially responsible Americans have purchased a long-term care insurance policy at some point in their lives, and many have faithfully paid premiums on it for decades. Policyholders assume that when the time comes to finally activate the policy, their needs will be met. But filing a claim is far from straightforward. It’s very easy to make mistakes during the claims process that can delay payments – and ultimately your loved one’s access to needed care.

If you’re attempting to file a claim on your own, it’s important to understand the risks involved. It’s also important to know that the insurance company will not have your best interests in mind. Their adjusters are specifically trained to scrutinize every claim filed for opportunities to delay or deny benefits. They’re notorious for using various delay tactics, since it’s in their best interest to drag the claims process out as long as possible.


Navigating Claims Takes Time


Navigating the claims process takes an extraordinary amount of time, attention to detail, and patience during a time that is generally already very stressful for families. It can be a grueling process to collect medical records, especially with extended hold times and endless paperwork.

When it comes to filing claims, families often leave thousands of dollars on the table by not realizing that they may be eligible for:

  • Satisfying the elimination period → Average Value: $10,000-$20,000
  • Reimbursement for previous care → Average Value: $1,000-$30,000
  • Refund of paid premiums → Average Value: $1,000-$3,000


Policy claims are denied for two primary reasons:

  • Failure to meet the policy’s terms and requirements
  • Failure to submit proper documentation


There are endless ways that either of these reasons could apply to any policy.