You have been paying for years for a long-term care policy and your rainy day has finally come. What is in the policy? What is an elimination period? How do I qualify? Who do I call? Why do I need a doctor’s note? What should it say? What are care notes and a care plan?
Long term care insurance policies can be a huge help in covering costs when the rainy day comes. Unfortunately, long-term care policies can be complex and the diversity in what they cover and how you qualify for coverage can be daunting.
However, there is good news! Most policies are not very difficult to understand once you understand the terminology and know what provisions in the policy affect benefits. We can help you understand and interpret your benefits and guide you on what you need to ask your insurance company. We have navigated long term care insurance companies for 10 years and can help figure out what steps to take.
So, if your rainy day has come and you are feeling daunted by “what do I do now?”, give us a call. We will be happy to help make the process more understandable and a little less painful.
