If you have a loved one in need of long-term care services, getting their long-term care insurance claims filed and approved is critical to their quality of care. But LTC insurance policies are designed to be complicated, confusing, and difficult to navigate.
You have so many more important things to do with your time! Not to mention that mistakes made during the claims process can delay benefits, lead to a claim denial, and cost you plenty of time, money, and energy in the meantime. Here are the top three reasons you shouldn’t file your own LTC claim or an LTC claim on behalf of a family member.
1. It can feel like the process that never ends
Did you know that LTC claims must be filed monthly? To get your LTC benefits, you have to prove the need for those benefits every single month. It’s not a one-time claims process and requires policyholders and beneficiaries to stay in regular contact with their insurance carrier to ensure continuation of benefits.
That is no small time commitment and you probably have other things to do too: go to work, care for your family, spend time with your loved one, arrange care services, and more. That’s why Family Solutions for Care has made it our mission to help families nationwide get their LTC benefits each and every month without having to lift a finger.
2. It can be hard to appeal a claim denial
Insurance carriers are not eager to pay claim benefits and many LTC policies were written years ago, so terms have changed, and the services commonly offered today may not line up with the benefits listed in the policy. In other words, the process is only getting more and more tedious.
Luckily, Family Solutions for Care has become well-versed in translating insurance jargon, interpreting documentation from service providers, and understanding the more than 400,000 variations of LTC policies out there. We also maintain a 100% first-time approval rating. We are the best team equipped to help you get it right the first time—and every time.
3. It can be hard to connect with the right people
The maze of LTC claims processing is filled with toll-free numbers, call center representatives, hold music, and call transfers. It can be difficult to get in touch with the right department, let alone the right person, and to get your claim processed accurately and efficiently.
Fortunately, Family Solutions for Care has developed relationships with service providers, lawyers, assisted care facilities, insurance carriers, and more. We know who to get in touch with and how, cutting out all that extra red tape to get there. You can count on us to navigate the process, leveraging our established relationships on your behalf.
We are the industry leader in handling LTC claims across the country—and we can’t wait to help your family too! Give us a call at (844) 858-4500 or contact us today to find out how we can support your LTC claims.
