How Long Term Care claims work:

        1. There is a myth that having a local Long Term Care Insurance agent is important when there is a claim. Long term care claims, however, do not work the same way as auto and home insurance claims. The old saying, “I know where to find my agent” may not hold true for long term care insurance.



ltc-claims-process1               Here is how the claim process works:

            1. Your Primary Care Physician certifies your need for Long Term Care.
            2. You call your insurance company at their toll free number.
            3. A few days later, a nurse from the insurance company will visit you and help you fill out the claims paperwork.


      1. As your Long Term Care specialist, it is our job to assist you with the purchase of this vital coverage by finding the appropriate coverage and company. When you make a claim, your local doctor always certifies care and the agent can help you with the claims process. Keep in mind that it may be 10- 20 years before you will need Long Term Care Coverage.


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