Long-Term Care Insurance Company Forms

To file your long-term care insurance claim, the proper claim form from your carrier must be used. For your convenience, we have provided the most recent claim forms from the most popular carriers.

Please note that some long-term care insurance providers require that claims be submitted online.


California Public Employees’ Retirement System manages pensions and health insurance for 1.9 million current and retired California public employees and their families. It’s the largest such fund in the U.S. with $389 billion in assets at the end of June 2020.

CalPERS’ Long-term care insurance helps pay the long-term care costs for beneficiaries who need help with their activities of daily living. This is an optional, employee-paid benefit.

Effective June 17, 2020, CalPERS temporarily suspended open enrollment for the LTC program because of uncertainty in the LTC market. Until further notice, CalPERS LTC isn’t accepting new applications, and applications still in underwriting won’t be processed.


CNA stands for Continental National American Group, better known as CNA Financial Corporation. Continental Casualty Company underwrites CNA’s long-term insurance policies, which is the 8th largest commercial insurance company in the U.S.

Continental’s long-term care insurance policies offer customizable coverage. Benefits pay nursing home expenses, up to the policy’s daily maximum. Non-nursing care pay-outs are 50% or 100%. The policy benefit period ranges from 3 – 5 years.


Conseco Health Insurance Co. is a subsidiary of CNO Financial Group, one of the 10 largest public companies in Indiana. Conseco has assets of nearly $2.5 billion as of the end of March 2020.

Conseco Forms


Formerly the largest provider of long-term care insurance, the company no longer sells stand-alone coverage for individuals through brokerages and agents. Instead, it markets LTC coverage direct-to-consumers or through group coverage options. The move does not affect the firm’s 1.2 million current policyholders.

Coverage, subject to the Elimination Period, specific other requirements, and policy limitations, pays necessary, medically or otherwise, costs of medical and personal care services at home, or in residential or nursing facilities.

Genworth insurance claims must be submitted online.

John Hancock

In 2004, the Canadian Manulife Financial acquired John Hancock. John Hancock Life & Health Insurance Company offers life, health, and other long-term care insurance to U.S. residents.

John Hancock offers LTC insurance for care options that include skilled nursing, intermediate and custodial care, whether at home or in assisted living or nursing facilities.

John Hancock insurance claims must be submitted online.

Lincoln Financial

Lincoln National Corporation is a Fortune 250 American holding company. The company’s hybrid LTC insurance is a market leader. A hybrid policy, also known as asset-based, benefits policyholders by providing life insurance coverage while providing long-term care insurance options. The policy reimburses qualified LTC expenses.


MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company, which includes several options for long-term care coverage. MetLife is one of the largest insurance providers worldwide.

Long-term care coverage options include facility-only, home or community-based care, residential, and facility insurance policies. All options offer options that offer a choice of the Elimination Period duration, caregiver training, respite care, supportive services payments, and a transition expense allowance.

Mutual of Omaha

Mutual of Omaha is a Fortune 500 mutual insurance and financial services. It offers a range of individual and group health and life insurance plans, including supplemental Medicare and long-term care insurance plans.

Benefits can include home health care, care coordination, as well as respite care and hospice care.

Northwestern Mutual

Northwestern Mutual is a financial services mutual organization rather than a traditional insurance company. It offers products that include life insurance, permanent life insurance, disability income, long-term care insurance, and annuities. Northwestern Long Term Care Insurance Company is the subsidiary company that provides long-term care insurance.

The company offers a basic policy and other policies that cover 100% of home health care and cover assisted living and nursing facilities, hospice care, adult day care centers, and home health care. The company’s Elimination Period is based on actual days of paid-for service days. It may take longer than a specified number of calendar days.

Northwestern Mutual Forms

New York Life

New York Life is the largest mutual insurance company in the U.S.; it offers long-term care insurance.

The company offers 2 traditional LTC policies: LTCSelect Premier and My Care, as well as an asset-based flex policy.

LTCSelect Premier pays for in-home care and assisted living facility, short-term or long-term nursing facility qualified expenses according to chosen policy options and restrictions. My Care Long-Term Care offers more affordable choices of 4 plans with lifetime maximum benefits and deductibles.

New York Life insurance claims must be submitted online.

New York Life Forms

Penn Treaty

The Penn Treaty (2009 rehabilitation) is expected to become the most expensive LTC liquidation with $3 million covered by a guarantee association.


The Senior Health Insurance Company of Pennsylvania’s policies are held in trust by the Commonwealth of Pennsylvania. SHIP previously operated as Conseco Senior Health Insurance Company. 

From 1997 to 2000, several other LTC insurance companies merged into or were acquired by Conseco Senior Health Insurance Company. As a result, SHIP is obligated for the LTC policies of the following companies: • Transport Life Insurance Company • American Travelers Life Insurance Company • United General Life Insurance Company • Continental Life Insurance Company.

State Farm

The company is the largest U.S. property and casualty insurance provider and the largest auto insurance company. The firm discontinued LTC insurance sales in May 2018 but still provides claims on existing policies.

Its LTC policies are guaranteed renewable; the company cannot cancel a policy as long as premiums are paid. Benefits include home health and homemaker coverage for assisted living and nursing home facility costs.

State Farm insurance claims must be submitted online.


Thrivent is a Fortune 500, not-for-profit financial services company that is a member-based fraternal organization.

Policy coverage includes nursing and assisted living facilities, adult day care and hospice care, in-home care, equipment, and home modifications for qualified care services.

TransAmerica Forms


Formerly known as UnumProvident, Unum Group is a Fortune 500 insurance company made up of Unum U.S., Unum U.K., and Colonial Life. Unum has discontinued sales of new LTC policies; however, current policyholders continue to receive policy benefits, service, and support. The company accepts new enrollees on active group plans.

Benefits include community-based and nursing facility care, and hospice care.

Unum Forms

Washington National

Washington National is a subsidiary of Conseco, itself a subsidiary of CNO Financial.

Washington National Forms

Senior couple connected on digital tablet

Contact Us Today!

Contact Family Solutions For Care today at (844) 858-4500 to get the information you need regarding your long-term insurance care or help with a claim.

Contact Us