At present, the consumer’s odds of collecting off most of these policies are better at a race track, or Las Vegas slot machines. Adequate consumer safeguards are not in place.
- The U.S. House Of Representatives Select Committee On Aging
Long term care insurance is broken because insurers mislead people into managing the claims process on their own.
The good news? They don't have to.
Policyholders have the right to advocates & professional claims managers. They have a right to dignity and compassion.
Professional claims management makes insurers work for you. Not the other way around.
Policyholders and providers have a mutual interest in high-quality and fairly compensated care. When insurers play by the rules and pay the bills, policyholders receive safe, compassionate, and top-notch care without unbearable out-of-pocket costs. In turn, caregivers get paid what they deserve and can focus on what they do best: caring for people.
Recent legal developments and corporate disclosures have proven that LTC insurers are breaking their promises and are often shorting policyholders tens of thousands of dollars without them even knowing. As a result, LTCi is now the most denied, delayed, and under-reimbursed type of insurance in modern history. The result is fewer care hours, less qualified caregivers, high out-of-pocket costs, and poorer health outcomes.
We are The Long Term Care Advocacy Experts (LTCAE) and we put an end to the burden of managing your own claim.