Long Term Care Insurance Claim Resources

"Good fortune occurs when preparation meets opportunity."

100+ Tricks Used By Long Term Care Insurers To Deny, Delay, & Underpay Claims

100+ Tricks Used By Long Term Care Insurers To Deny, Delay, & Underpay Claims If you told me 10 years ago that long term care insurers have developed dozens, if not hundreds of ways to avoid paying claims, I probably would’ve had a hard time believing you. I might’ve asked for some type of evidence….

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The LTCi industry’s top tool in their fight against policyholders

The LTCi industry’s top tool in their fight against policyholders I’m a big supporter of nurses. My family is made up of two nurse practitioners and two RNs. I’ve spent my entire legal career supporting and protecting healthcare professionals. I have a problem with how the LTCi industry misuses nurses to physically and financially harm…

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Avoid these traps to make sure you meet the Substantial Assistance requirement of LTCi claims

Avoid these traps to make sure you meet the Substantial Assistance requirement of LTCi claims One of the most common ways to trigger LTCi benefits is through demonstrating the need for “Substantial Assistance With 2 or more Activities of Daily Living.” In the legal world, that phrase is also referred to as “Loss of functional…

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Solving The Family Crisis Created By Long Term Care Insurers

Solving The Family Crisis Created By Long Term Care Insurers Long term care financing isn’t simply a numbers issue. It’s a family issue. Similar to all other areas of healthcare, your ability to receive high-quality health care relies on one factor: your ability to pay for it. In long term care more than any other…

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Long Term Care Insurer Confesses To Shock Payment Stoppages

LTCi Executive Confesses To Systematic Efforts To Shut Off Claim Payments Long term care insurance (LTCi) policyholders face so many obstacles to getting their claims approved (let alone paid in full). Unfortunately, the struggle isn’t over after claim approval. In recent years, policyholders have been flooding their state insurance regulators with a new type of…

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Need A Copy Of Your Policy? Think Twice Calling Your Insurer

Need A Copy Of Your Policy? Think Twice Before Picking Up The Phone! When the time comes to file a Long Term Care insurance (LTCi) claim, it’s often been years (or decades) since a policyholder has reviewed the contract. Many times, an adult child or other family member is planning to file the claim and…

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Claim Management vs. Claim Filing Specialists

LTCAE Claim Management vs. Claim Filing Specialists The rising obstacles to Long Term Care insurance reimbursement have given way to a garden industry of so-called “claim filing specialists.” What are they? Claim filing specialists are current or former insurance sales agents, along with low-paid administrative call center staff who assist policyholders in gathering documentation and…

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