Long Term Care Policy

Long-term care insurance can help you cover the cost of home care. Are you considering utilizing your long-term care policy to cover the cost of home care? Visiting Angels of Indianapolis has experience working closely with clients with long-term care policies to cover the cost of home care.

Long-term care insurance kicks in when you are experiencing challenges living life independently. Long-term care insurance companies will evaluate your ability to live independently by looking into activities of daily living. Examples of activities of daily living long-term care companies may evaluate are below:

Bathing
Continence
Dressing
Eating
Transferring
Toileting

When someone cannot complete ADLs independently, the long-term care policy benefit may be triggered. Certain cognitive challenges with Alzheimer’s and dementia may also trigger the policy benefits. When the long-term care policy benefit is effective, an elimination period will require you to pay out of pocket. The elimination window is usually 30, 60, or 90 days.

Filing a Long Term Claim:

1. Review the Long Term Care policy to identify what Activities of Daily Living are covered, benefit limits, and exclusions.

2. Know the elimination period before the Long Term Care benefit begins.

3. Determine what condions or events must occur to trigger the Long Term Claim benefit.

4. Gather required documentation including: policy number, proof of condition, medical records, doctor's statments and other evidence showing you meet the benefit triggers.

5. Contact the insurace company to initiate a claim, request and complete a claim form, and then submit your claim.

6. Follow up with the Long Term Care company to track status of your claim. The claims process may be lengthy and require multiple contacts.

Visiting Angles of Indianapolis has experience working closely with clients and their long-term policy company to ensure claims are paid. We will work closely with you to coordinate care and submit the necessary documentation to ensure long-term claim benefits are paid. Please contact us at 317-284-6867 to learn more about our experience with long-term care policies.

Serving Indianapolis, Fishers, and the Surrounding Communities

Visiting Angels INDIANAPOLIS, IN

3815 River Crossing Pkwy #100
Indianapolis, IN 46240
Phone: 317-284-6867
Fax: 317-824-9715