Read THIS Before You File Your Long-Term Care Insurance Claim

Read This BEFORE You File Your Long-Term Care Insurance Claim

Submitted by: Kimberly Perkins-Akers Amada Senior Care

Many Americans purchased long-term care insurance in an effort to protect themselves from the financial risks associated with long-term care. Unfortunately, when seniors are ready to cash in on their investment, claims are often denied and they end up spending months or even years trying to convince the insurers to approve the claim. Here is what you need to know before you file a long-term insurance claim.

Is it the right time for you to file a long-term care insurance claim?

Before your file your long-term insurance claim, make sure at least one of the following scenarios applies to you.

You receive long-term care services and want to claim benefits.

You recently received long-term care services and want to claim benefits.

You expect to receive long-term care services within the next two weeks. If none of these scenarios apply to you, it might not be the right time to file a claim. If you are not sure, you can take advantage of Amada’s complimentary long-term care advising services.

How do you qualify for long-term care insurance benefits?

Benefit triggers are the conditions that must occur before you start receiving benefits from the long-term care insurance policy. Most insurers decide when you can start receiving insurance benefits by evaluating your ability to perform certain “activities of daily living” (ADLs).

Benefits usually begin when you need assistance with two or three ADLs.

Tip: People have a tendency minimize our ailments and limitations. Unfortunately, this won’t help you when filing your long-term insurance claim. When answering questions, always refer to your worst days as opposed to your best days to ensure you get the care you need.

When will your benefits be available?

Your long-term care policy has an elimination period, also known as a deductible or waiting period. An elimination period is the number of days you must receive care before your policy begins to pay benefits. Common elimination periods are 30, 60, and 90 days. Generally, the shorter your elimination period is, the higher your premium.

Get Complimentary Assistance With Long-Term Care

Long-term care insurance policies can be challenging to navigate, which is why Amada Senior Care specializes in long-term care insurance claims. A trained Amada professional can help you get the most out of your policy by helping you understand and verify your benefits. We can identify and explain the elements of your policy, including:

Elimination period o

Maximum daily benefit o

Lifetime benefit o


Assist you in completing the necessary forms to file a claim

Directly bill the long-term care carrier

Handle the responsibility of payroll taxes, benefits, scheduling, bonding, worker’s compensation, and general and professional liability insurance


Long-term care insurance is one of the best investments you have made for you and your family’s financial security. Navigating the benefits and the claims process can be challenging and it is recommended not doing it alone. Amada Senior Care is an expert in long term care insurance  policies and claims.

Sponsor of the SPOTLIGHT Senior Services & Living Options Guide. Visit us online today and say “I saw you in SPOTLIGHT!” Call to schedule a Long Term Care Insurance Review at 480-999-5250 or visit