Purchase the LTC Insurance Claims Help guide now for instant access.
Hello and welcome to my website.
You are probably here looking for help with a new Long Term Care Insurance claim and don’t know where to begin, or have one that is open now and causing you problems. I can help.
My name is Hans Hug and I have been an independent Life Insurance Broker here in New England for 34 years.
The last 25 of those years I have also been selling Long Term Care Insurance for all major LTC Insurers, again as an independent Broker. I have also been involved with claims with most of these major LTC Insurers because I sold their products and always help my Clients at claim time.
LTCInsuranceClaimsHelp.com
Is this your situation? Your spouse or perhaps your mother, brother etc., now has healthcare needs that for whatever reason, their Health Insurance, probably Medicare of some sort, does not cover.
They have entered the realm of needing Long Term Care. Their needs might include help with bathing, dressing, eating, taking their medications properly etc.
In some cases the care needs are different, meaning they are cognitive, and not physical in nature.
Regardless, a plan is needed now to deal with this reality, not the least of which is how to pay for care that can easily and often does, last for years.
It comes to light that this person with these needs bought Long Term Care Insurance years ago and the Policy, which has been faithfully paid all along, is potentially available to help pay for some of or all of, this person’s care.
And then what happens?
Let's explore what is included 👇
1
32 pages
This comprehensive pdf manual covers everything you need to know and everything you need to do to set up, launch, and manage the claim.
There is big money at stake and you need to get the Insurer to start to pay you as quickly as possible, because until they do, you or your loved one will be paying for care out of their own pocket. This can be a crushing expense.
2
15 pages
To help Consumers first understand more about what they actually own for coverage, you also receive this pdf document that explains the mechanics of Long Term Care Insurance, something you really need to know that will be of enormous help when administering the claim.
I use it in my workshops and suggest you read this one first - it won’t take long. Print both guides in color for easier reading.
3
To use with all communication with the Insurer, that you can change as needed that is a great template for your correspondence.
By using a template model you don’t have to type over and over again the basics that are needed in the Memo such as Name, Address, City, State, Zip, Phone #, Email address, Policy #, Claim # etc.- it’s already there for you.
All you need to do is change the date and update your memo for the new task at hand such as submitting new expenses for the past month. This is a huge timesaver.
4
So that you can track claim activity, especially with the Insurance Company.
This allows you to watch to make sure people do what they are supposed to do when they are supposed to do it. It is a very useful but simple tool to hold people accountable and keep the claim moving.
5
An Excel spreadsheet that you will use to track Elimination Period/EP days that have been met. Losing track of the EP days will delay getting your claim into “payable” status thus costing you big money.
If you don’t know what EP Days are you already have a problem (my guide will help you with this!).
6
A copy of one of my most valuable newsletters explaining what a Life Settlement is and why it could be a great source of cash for the Claimant’s care.
BONUS
Due to the digital nature of the product refunds are not available
If there's one thing I know as an Insurance Broker, it's that this process can be difficult, and that's coming from a seasoned professional of 34 years!
I designed this guide combining my knowledge and industry experience to help YOU manage and get through this process with ease and assist you in taking control of your unique claim situation.
If you've been searching for information and resources but keep hitting a dead end, then I am so happy you have found my webpage because my guide is finally going to give you what you need to move forward and make progress without any more of the searching and countless hours wasted downloading tools that just don't help.
The LTCInsuranceClaimsHelp.com guide provides written instructional materials that comprise a comprehensive but simple guide to successfully setting up and administering your Long Term Care Insurance claim.
"Dealing with Long Term Care Insurance Premium Rate Increases" will show you how to mitigate premium increases and keep meaningful coverage intact.
With your purchase for $48.00 you will receive:
“Claims-101: Filing & Managing a Long Term Care Insurance Claim” (in a pdf);
“Long Term Care Insurance-101” (in a pdf), a guide to the mechanics of how Long Term Care Insurance works;
A Contact Log in Microsoft Word to help you track your communications with the Insurance Company. This is a very useful and important document;
A Cover Memorandum in Microsoft Word to help you manage your communications with the Insurance Company. This is a very useful and important document and a huge timer saver;
A simple 1-page Microsoft Excel document to help you track the Elimination Period days with the Insurance Company;
A copy of my newsletter discussing Life Settlements (in a pdf) - what they are and how they work could be a useful source of additional cash to help pay the claim.
Bonus Document: "Dealing with Long Term Care Insurance Premium Rate Increases."
Upon successful payment, you will gain instant access to the guide.
The (2) types of Elimination Periods/EPs (Deductibles), how they work and why they are critical to understand;
How to track and meet the Elimination Period/EP as fast as possible;
The types of pay-out models Insurers use: Reimbursement / Indemnity / Cash;
Why you need a Plan of Care/POC;
Why filing a retroactive claim could be a real winner and get you a lump sum of cash for a period of time before the claim formally proceeds forward from the day you first file it;
How to set up an easy, simple, sensible file system to track Covered Expenses submitted for payment to the Insurer and to track what they send back;
Why you need a Contact Log and a Master memorandum to use over and over again;
How to submit Expenses to the Insurer that won’t get rejected;
How HIPAA Releases work and why the claim will go nowhere without it;
A summary of the steps to take to launch and manage a smooth running and successful claim and a section detailing step-by-step what to do and why;
How to deal with a claim denial;
A Glossary of terms you need to know and understand;
What design features in your Policy you need to avoid changing and why;
What design changes the Insurer may offer you should never accept;
A description of different Riders you may have (options added to coverage), what they do and how they might be reduced or removed;
Why the Inflation rider generally has the greatest single effect on your Premiums;
Why you should try to never lower the Daily Benefit Amount/DBA;
If you want to cancel your coverage, how the Contingent Non-forfeiture benefit can get you credit for all of the Premiums you’ve ever paid in-but timing is everything;
What the “Pool of Money” is you have in your Policy, how to calculate it, and why it’s critical to understand;
The 1st (3) design features to look at and consider changing;
Due to the digital nature of the product refunds are not available
If you would like to stay in touch and be the first to know about new LTC Insurance Claims Help tools & resources, please fill out your name and email below.