What to Do When Your Loved One (or Client) Has an LTCI Claim

Anyone who has filed insurance claims before—whether for home, auto, or health coverage—knows that the process doesn’t always unfold smoothly. So if you are helping someone who has, or may have, a long term care insurance (LTCI) claim, the first thing to do is contact his or her carrier’s Claim Department. The second thing: begin filing immediately.

Most long term care insurance policies have elimination periods of 30-180 days. Some people wait until the elimination period is met before filing. But establishing an LTCI claim takes time. It’s in every insureds best interest to initiate the claim as early as possible.

We also recommend that insureds or their representatives ask their nursing facility or home health care agency to confirm with their insurance company that they are considered a qualified provider.

Good communication between the family, carrier and provider are essential during the claim process. Most importantly, make copies of everything sent to the carriers and document all phone conversations. Take the time to do everything right. Claims that are filed correctly the first time will be paid more quickly.

At MAGA, we guide our clients through the claim process, making sure they use the right claims forms and that their claims are properly submitted. Since 1975, we’ve helped our clients obtain millions of dollars in LTCI benefits. For more information, contact us.

Long-term care planning

Long term care planning is a critical
element of every comprehensive financial plan. Long term care events are a reality of life, and Long Term Care Planning exists to help families preserve their assets, standard of living and independence, while allowing the members of the family to make important choices for the financial, physical and emotional well being of loved ones.

Contact us

2610 Lake Cook Road
Suite 250
Riverwoods, IL 60015
(800) 533-6242
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