Our Services
At FSC, we simplify the long-term care insurance claims process, managing every step, maximizing benefits, and guiding families to the care they need. When you understand your policy, you’re empowered to make better decisions, and we’re here to make that possible.
Free Policy Review
Understanding a LTC policy can be overwhelming, and owning a policy doesn’t guarantee benefits. With over 400,000 variations of policies and riders, LTC insurance is complex, confusing, and often inconsistent. That’s why FSC offers a free, no-obligation policy review to help families clearly understand what’s covered, what’s not, and what steps to take next.
Claim Approval
Filing a LTC claim can be complex and time-consuming, but it doesn’t have to be. FSC handles the entire claims process on your behalf, from initial submission to ongoing management. We ensure all paperwork is accurate, deadlines are met, and policy requirements are fulfilled, maximizing your benefits and reducing stress for you and your family.
Retroactive Benefits
If care has already started but a claim hasn’t been filed, you may still be eligible for retroactive benefits. FSC reviews past care history and policy details to determine what can be recovered, and then handles the retroactive claims process for you. We work to secure any missed benefits, helping families recoup funds they may not have realized were available.
Denied Claim Resolution
A denied claim doesn’t have to be the end of the road. FSC specializes in identifying the cause of the denial and building a strong case for appeal. Our team works directly with insurance companies to challenge denials, correct errors, and recover the benefits you’re entitled to, giving families a second chance at the support they deserve.
Policy Reinstatement
If a LTC policy has lapsed due to missed payments or other issues, FSC can help. Our team works quickly to assess the situation, communicate with the insurance company, and guide families through the reinstatement process. We help restore coverage whenever possible, so policyholders don’t lose access to the benefits they’ve paid for.
Monthly Auditing
FSC provides monthly audits to ensure your carrier is paying the correct amount based on the care being received. We also track the total benefit pool to confirm it’s accurately balanced, thus preventing costly errors. All records are stored in a HIPAA-compliant system, ensuring your personal information is secure.