Filing a long-term care (LTC) insurance claim is no simple process. And most LTC policies require that you submit claims each and every month that you receive long-term care services.
So what will you need to successfully file your claims and receive your benefits?
Long-term care insurance is not designed to be easy to navigate, and LTC policies are notoriously difficult to make sense of.
Plus, there are more than 400,000 variations of LTC insurance policies out there, which means that your policy can easily have different limitations, exclusions, and other conditions than another policy you may be familiar with.
You need to be able to provide accurate and thorough records of care services received—and you’ll need to share them every single month.
These are used to prove the need for care, to establish the elimination period, and to demonstrate the eligibility of services in accordance with your policy.
Sometimes the healthcare, home health, or other long-term care services you receive are characterized differently in care notes and daily logs than the language that your insurance carrier is looking for—and that can mean delayed payments or even rejected claims.
These differences can be difficult to identify or to figure out, but it’s essential to getting your claims approved quickly.
Feeling overwhelmed about the requirements of your LTC claims?
The experienced claims team at Family Solutions for Care is ready to help you manage your claims each and every month—with a policy review, tracking down those care records, and ensuring claim approval.
We are honored to support families like yours and we can’t wait to talk to you about our services. Give us a call today at 844-858-4500!