When purchasing long-term care insurance (LTCi), it is done with the expectation it won’t be needed for many years to come. And that is a very fair assumption. However, when the time does come, and you need to access your plan, it is likely family members will be very much involved, and struggling to understand what you purchased, the benefits you are eligible for and how the coverage can help. It is a common situation; in an effort to alleviate some of this burden on your loved ones, CLTC developed a claims guide to help you and your loved ones understand the coverage you purchased and the process to follow if and when the time comes to submit a claim.

Also, if you have recently purchased coverage, you can review this guide with your insurance advisor now and ask him or her to help you highlight the sections that describe your plan. This could make it even easier for you and your family down the road, when again, you are trying to understand the benefits of your plan. To review the CLTC Claims Guide, click the link below.