Why Use Us
Why Use Long Term Care Advocates
Owning a long-term care insurance policy is a step toward securing your long term care needs,but it doesn’t automatically guarantee access to benefits. Here are few reasons why filing a claim can be difficult and how we can help.
Complicated Policy Language
Policies are often filled with legal and technical jargon, making it difficult to fully understand what’s covered. We break down your policy, clarifying the fine print and ensuring you know exactly what benefits you’re entitled to.
Complex and Time-Consuming Process
Filing a claim involves multiple steps, forms, and deadlines that can be hard to manage on your own. Additionally, communicating with insurance carriers often means spending hours on hold, waiting for responses, and dealing with teams overseas, which can add to the frustration and delay. Our team takes care of the entire process for you, from the initial claim submission to approval, so you don’t have to worry about missing critical steps.
Stringent Documentation Requirements
Insurance companies demand comprehensive medical records and supporting documents to justify claims. Missing or incorrect documentation can lead to delays or even denials. We meticulously collect and organize all required paperwork to support your claim.
Risk of Claim Denial
Even with a valid claim, the risk of denial is always present due to errors or incomplete information. We act as your advocates, working directly with the insurance company to ensure the claim is processed fairly and efficiently.
Ongoing Documentation Management
Once your claim is approved, it’s essential to manage documentation continuously to ensure compliance and ongoing benefit payments. We handle this for you, ensuring all necessary paperwork is filed on time.
Unsecured Benefits
Many policies have benefits that policyholders may not be aware of. We thoroughly review your policy to uncover any additional benefits you may be entitled to and help you take full advantage of them.
See the Challenges for Yourself
Read about the experiences of policyholders who filed claims directly with their insurance carriers.