{"id":1152,"date":"2025-03-26T10:00:59","date_gmt":"2025-03-26T14:00:59","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?p=1152"},"modified":"2026-01-21T09:46:43","modified_gmt":"2026-01-21T13:46:43","slug":"wave-of-long-term-care-insurance-claims-growing-faster-than-age-wave-expert-says","status":"publish","type":"post","link":"https:\/\/www.certitrek.com\/cltc\/wave-of-long-term-care-insurance-claims-growing-faster-than-age-wave-expert-says\/","title":{"rendered":"LTC in the News: Wave of long-term care insurance claims growing faster than age wave, expert says"},"content":{"rendered":"<div>As long-term care insurance claims surge beyond expectations, experts warn of rising payouts, policy complexities, and the need for better caregiver education.\u00a0This\u00a0<i>McKnight\u2019s Home Care<\/i> article discusses the accelerating increase in long-term care insurance claims, which is surpassing the rate of the aging baby boomer population. Industry expert Bill Comfort, CLTC Director of Training highlights that approximately 7 million Americans hold long-term care insurance policies, with nearly half purchased between 1995 and 2005; these policyholders are now reaching their mid-70s and beginning to file claims. A study by Milliman projects that claims will escalate by 260%, from $16 billion to $42 billion, by 2041. Comfort emphasizes the complexity of long-term care insurance policies, noting that ambiguities, particularly regarding coverage for activities of daily living (ADLs), can lead to claim denials. He advocates for better education of caregivers on the claims process to ensure accurate documentation and reduce misunderstandings.<\/div>\n<div><\/div>\n<div>Click to <a href=\"https:\/\/www.mcknightshomecare.com\/news\/wave-of-long-term-care-insurance-claims-growing-faster-than-age-wave-expert-says\/\">read the article<\/a> in McKnight\u2019s Home Care<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As long-term care insurance claims surge beyond expectations, experts warn of rising payouts, policy complexities, and the need for better caregiver education.<\/p>\n","protected":false},"author":1,"featured_media":1250,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[56,54,58,59,60,53,61,52,57,55],"class_list":["post-1152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ltc-in-the-news","tag-activities-of-daily-living-adls","tag-aging-population","tag-bill-comfort","tag-claim-denials","tag-home-care","tag-insurance-claims","tag-insurance-policy-complexities","tag-long-term-care-insurance","tag-milliman-study","tag-policyholder-challenges"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.4 (Yoast SEO v19.13) - 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