How Do I File A Claim?

1. You Initiate a Claim by Calling LTCP at 1-800-582-3337

• You may be eligible for benefits if you are unable to perform at least 2 activities of daily living or "ADLs" (i.e. bathing, dressing, eating, transferring, toileting and continence) for an expected period of at least 90 days due to loss of functional capacity, or you require substantial supervision due to your severe cognitive impairment.


IMPORTANT: Benefits can begin (after the Waiting Period that you chose) as long as the covered services are part of a written Plan of Care established for you by a licensed health care practitioner or our care coordinator and approved by us.


• To initiate a claim, you or any representative (including a physician or caregiver) may call us.*



• When you or your representative call(s), please have the following available:
• Your social security number.
• The names and telephone numbers of your physician and other health care providers.
• Medical insurance information including insurer’s name and telephone number, if applicable.


• We will assign a personal Care Coordinator to help you with the claims process. You will be able to contact him or her directly. He or she will stay with your case throughout the course of your claim.



• Your Care Coordinator will ask questions about your health history, assistance needs, family support and related information.



• Your Care Coordinator will provide a detailed explanation of FLTCIP benefits, the claim process and related information.


* Note: Although your representative can initiate a claim on your behalf, we cannot provide him or her with any information about you or your insurance benefits without your verbal or written approval or legal documentation such as a power of attorney.