How to Avoid Long-Term Care Insurance Claim Delays

At Disability Insurance Law Group, our attorneys have been representing claimants nationwide for more than 50 combined years. This experience is crucial to our law firm’s mission because it, unfortunately, gives us all too much insight into the unbelievable ways long-term care insurance carriers abandon their policyholders—especially when they need their benefits the most.

We take pride in overcoming insurers’ complex tactics to delay or deny claims.

We are proud of the successful results we have produced for our clients because we know our legal efforts make a tangible difference in their lives. We often help them secure the benefits they deserve after long and challenging battles with insurance companies.

This was never truer than it was for one of our clients, who, despite providing the carrier with sufficient proof that she was entitled to benefits, had still not received them after three months, reached out to our law firm for help. After our initial interactions with the insurance company, we submitted a demand immediately following her home evaluation, and benefits were approved and paid 48 hours later.

Despite our ongoing successes, insurance companies will continue to use various tactics to postpone or avoid payouts, making it essential to be prepared. Here, we discuss some steps to avoid delay tactics and how we can help.

Avoiding Long-Term Care Claim Delays from Your Insurer

Long-term care insurance is designed to provide financial assistance when you need help with daily activities, but many policyholders face frustrating delays when attempting to file claims.

Here’s how you can help avoid them:

• Know Your Policy Inside and Out: Understand the details of your coverage, including the specific benefits, waiting periods, qualifying conditions, eligibility requirements, and necessary documentation. Familiarize yourself with the insurer’s rules so they cannot mislead you by claiming you didn’t meet their criteria.
• Prepare Documentation Early: Gather all required documentation well in advance, including medical records, physician statements, and assessments that prove your need for care. Having this information ready reduces back-and-forth delays.
• File Your Complete Claim Early: Submit your claim as soon as you’re eligible for benefits. Ensure your claim submission is accurate, complete, and follows the insurer’s guidelines. Missing information or incomplete forms often cause significant delays.
• Stay Organized: Keep meticulous records of all communications with your insurer, including emails, letters, and phone calls. Document every interaction and keep copies of all forms and medical records related to your claim. Detailed records help you track the process and provide proof in disputes.
• Follow Up Regularly: Once your claim is submitted, contact your insurer regularly. Ask for confirmation of receipt, track your claim’s status, and promptly respond to requests for additional information.
• Seek Legal Guidance: If you suspect your insurer is unfairly delaying your claim, consult our dedicated, nationwide long-term care insurance claim attorneys. Our attorneys use their experience to navigate legal loopholes and protect policyholders’ rights. We can help you challenge unnecessary delays and help ensure you get the benefits you’re entitled to.

Our law firm’s successful outcomes provide our clients with financial relief and access to necessary care, underscoring the importance of upholding justice and fairness for LTC policyholders nationwide.

Contact Our Attorney for a Free Consultation Today

Call (954)-989-9000 or contact us online to schedule a free and confidential case assessment.

We can use our over 50 years of combined experience to help ensure that your application meets the required standards and effectively communicates the need for your specific long-term care benefits.