Long-Term Care Insurance Advocates
Claims Services
From free policy reviews to denied claim appeals, FSC handles the entire LTC claims process so your family can focus on what matters most.
SERVICE 01
Free Long-Term Care Insurance 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.
- Know exactly what your policy covers, and what it doesn’t
- Uncover hidden benefits and riders you may have missed
- Get a clear breakdown of your elimination period and benefit triggers
SERVICE 02
LTC Insurance Claim Filing & Approval Assistance
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.
- Complete claim submission handled by LTC specialists
- Medical documentation coordinated on your behalf
- We communicate directly with your insurance carrier
- Ongoing claim management from start to finish
SERVICE 03
Recover Retroactive Long-Term Care 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, 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.
- Past care records thoroughly reviewed
- Recover funds already paid out-of-pocket for care
- Complete retroactive claims filing handled for you
ADDITIONAL SERVICES
Everything You Need to Navigate Long-Term Care Claims
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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.
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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 handle the entire reinstatement process. We help restore coverage whenever possible, so policyholders don’t lose access to the benefits they’ve worked hard to secure.
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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, preventing costly errors before they occur. All records are stored in a HIPAA-compliant system, keeping your personal information safe and protected.
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