Long Term Care Insurance Claim

We want to provide you with information and resources for filing a claim for you or your loved ones' long term care insurance policy. Below is a general framework of how a claims process works.

How to File a Long Term Care Insurance Claim

Step 1: The policyholder or a member of their support team contacts the insurance carrier to obtain a claim form (the telephone number of the carrier is typically listed on the first page of the policy).

Person with coffee and mobile phone

If the caller is not the policyholder, the support person must usually provide:

  • A power of attorney
  • The policy number
  • The policyholder’s current address and four consecutive digits of their social security number

To determine the initial benefit eligibility of the policyholder, the carrier may then contact:

  • The facility where the policyholder resides to collect clinical details about his or her functional status
  • The policyholder to arrange a visit to assess his or her functional status
  • The policyholder’s care provider for more information

Step 2: The carrier determines if the policyholder’s care provider meets the policy requirements and notifies the policyholder in writing.

Check List

Step 3: Before benefits are paid, the elimination period must be satisfied. The elimination period is the number of days the policyholder must pay for service while remaining eligible for benefits, similar to a deductible.

Step 4: The policyholder, or a member of their support team, must submit written invoices for covered services in order to receive policy benefits, often on a monthly basis. The policyholder may choose to have the carrier pay all approved long term care expenses directly to the service provider or be reimbursed for qualifying expenses they pay themselves.

Step 5: The carrier will review the Long Term Care Insurance claim periodically to ensure the policyholder remains eligible for benefits.

Amada Senior Care

Need additional support or help? Amada Senior Care is here to help.

Need additional support or help?  Amada Senior Care is here to help.  Want to initiate a long term care insurance claim, or refer a policyholder to Amada so they can initiate a claim?  Head to a page specifically designed for LTCI policyholders.

Do you have a plan in place to help offset the potential cost of long term care needs? Request a long term care insurance quote to learn how much long term care coverage would cost for you.

The information provided is not exhaustive and is intended to provide the general framework for processing a typical long term care claim only.

Recommended Reading

Most states offer LTC government programs with incentives for those who buy LTC insurance.

Long term care insurance premium increases have recently been in the news.

Have you considered making a strategy to prepare for an unexpected long term care event?