What To Do When Facing A Long-Term Care Insurance Claim Denial

Every long-term care insurance policy is unique, which can be great for finding the right coverage, benefits, and limits. But it can lead to overwhelm if you have a long-term care insurance claim that gets denied.

In addition to the usual headaches of dealing with insurance agents, multinational corporations, and plenty of red tape, this type of claim denial also comes at a time when you’ve already got your hands full. If a parent or loved one is in need of long-term care, you’re trying to coordinate doctor visits, medications, family relationships, and more. The last thing you’re ready to do is sorting out an insurance claim denial.

But of course, you need a solution. And luckily, there is a team who can help you.

Don’t feel like you have to navigate this process alone: Family Solutions for Care is ready to offer you a hands-off experience and handle all of this on your behalf!

1. Understand the Reason for the Denial of Your Long-Term Care Claim

The first step is understanding why the claim was denied. This information should be provided to you with notification of the denial. Once the reason for denial has been identified, next steps can be taken to get approval.

FSC is well-versed in the jargon used by insurance providers and service providers—and we can make sense of all that legalese to obtain approval for your claim.

2. Provide Additional Information for Your LTC Claim

Some claim denials are based simply on a lack of information or supporting evidence. Whether it’s records you already have on hand or if you need to request specific information from a doctor, care provider, attorney, or other resource, you may just need to provide supplemental information in order for the claim to be approved.

FSC has built strong relationships with a wide range of vendors and carriers in order to get the information you need quickly and painlessly.

3. Request a Second Look at Your Long-Term Care Insurance Claim

Most long-term care policies have an appeal period, during which you can request an appeal of the denial. An appeal request is typically required in writing, may only be submitted within a certain timeframe, and triggers an additional review of the claim.

FSC is familiar with the appeals process, the limitations you may face, and other common missteps that can wreak havoc on your claim. Let us be the ones to take the reins and ensure a successful appeal.

4. Consider Legal Action

You may feel that you’ve reached the end of the road if your claim continues to be denied after appeal. But if your claim is valid, there are still steps you can take. You deserve the benefits you’re entitled to! If you’ve reached this stage, taking legal action against the insurer may be the solution.

But don’t jump into a legal hassle without an expert on your side. FSC can give you the advice you need to get your claim approved and avoid a long legal battle.

5. Enlist a Team Experienced in Long-Term Care Insurance Policies

The LTC insurance industry is messy and confusing. Don’t get discouraged; just give us a call!

If you find yourself confused, frustrated, or ready to give up on the process, Family Solutions for Care has an experienced team that’s ready to help. Our claims specialists have as thousands of families nationwide and are prepared to take care of the insurance hassle so you can focus on your life.

Want to talk? Contact FSC today!