Z7_MH8C1H40JO0970A56UAO5536H0
Z7_MH8C1H40JO0970A56UAO5536H2

The LTCi Claims Process in Five Steps

STEP 1:

Making Initial Contact

Often the agent is the first point of contact.

  • If the insured contacts you, notify the claims department as soon as possible
  • The insured also can contact the claims department directly. The appropriate phone number is listed in the policy

STEP 2:

Gathering Information

A claims representative will:

  • Talk with the insured to gather more information
  • Send the insured a claim form
  • Provide a list of documentation needed (i.e. medical records, provider bills)

STEP 3:

Explaining Policy Benefits

A claims representative will explain the benefits of the insured’s specific policy. This may include:

  • Elimination period
  • Care coordination services
  • Payment of benefits
  • Waiver of premium

STEP 4:

Determining Benefit Eligibility

  • It takes approximately 10 business days to review a claim and determine benefit eligibility
  • Claims notifies the insured or his or her representative when eligibility is confirmed

STEP 5:

Paying the Claim

  • It takes approximately 10 business days to approve an expense and issue a check
  • Payment is sent to the insured, to his or her representative or to an LTC service provider
Z7_MH8C1H40JO0970A56UAO553690

Claims Resources

Z7_MH8C1H40JO0970A56UAO5536U4
Z7_MH8C1H40JO0970A56UAO5536H1

The Role of the Agent

If you become aware of a potential claim, notify the claims department as soon as possible.

Be prepared to provide the following information:

  • Insured's name
  • Phone number
  • Mailing address
  • Email address
  • Policy number
  • Insured’s representative/power of attorney
  • Type of claim (i.e., home health care, assisted living, nursing home)

Claims Department Contacts

Contact information differs based on the type of policy, so be sure to use the correct phone number.

Policy Forms LT50, NH50, HCA, HCAQ, NHA, NHAQ, LTA, LTAQ

(policies sold from 1987 to 2004)

Phone: (800) 268-6443

Hours: M-Th: 7 a.m. to 5:30 p.m. CST
Friday: 7 a.m. to 5 p.m. CST

Policies Sold After 2004

(LTC04 and later; these policies have 33-xxxxxx numbers)

Phone: (877) 894-2478

Hours: M-F: 7 a.m. to 5 p.m. CST

Z7_MH8C1H40J0K240AD7FS68T34H7
Error

Error

Something went wrong - Please report this problem to the portal administrator.

Z7_MH8C1H40JOKFA0ADCN90J62AV1
Login
Login for More

There's More

Log in to Sales Professional Access to unlock even more detailed information and specialized tools plus your personalized reports.

Not Registered? All you need is your production number and you're ready. Sign up

Z7_MH8C1H40JO0970A56UAO553614

Have a sales or marketing question, need technical assistance, or have an idea you want to share? Contact Support