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If you've been paying long-term care insurance premiums for years, maybe decades, you've made a smart investment in your future. But here's something that surprises us every day: many families never file a claim, or they give up when the process gets complicated.
That's money left on the table. Your money.
Three Steps to Take Now
- Locate your policy and read the benefit triggers. Most policies activate when you can't perform two out of six activities of daily living or when cognitive impairment is present.
- Understand what documentation you'll need. Knowing this upfront prevents delays and denials.
- Don't navigate this alone. A Board-Certified Elder Law Attorney can help you compile medical documentation, communicate with the insurance company, and appeal if needed. Many "denied" claims aren't final; they just need better documentation.
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