How do you file a long-term care insurance claim?

Filing a long-term care claim follows a fairly consistent path:

1. Contact the insurer to open the claim and request the claim forms (the agent who sold the policy, or family, can help).
2. Provide medical records and a physician's statement documenting the need for care.
3. Complete the insurer's assessment. A nurse typically confirms — by phone or in person — that you meet the benefit triggers (help with two of six activities of daily living, or a cognitive impairment).
4. A plan of care is established, and your elimination period begins.
5. Benefits begin — paid as reimbursement of bills or as a set cash amount, depending on your policy.

Start early, keep thorough documentation, and use licensed providers if you have a reimbursement policy.

General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.