{"id":2279,"date":"2025-11-26T17:22:39","date_gmt":"2025-11-26T17:22:39","guid":{"rendered":"https:\/\/assistinghands.com\/117\/?page_id=2279"},"modified":"2025-11-26T17:24:25","modified_gmt":"2025-11-26T17:24:25","slug":"long-term-care-insurance-claim-checklist","status":"publish","type":"page","link":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/","title":{"rendered":"LTCI Claim Checklist"},"content":{"rendered":"<h2 data-start=\"432\" data-end=\"475\">Long-Term Care Insurance Claim Checklist<\/h2>\n<p data-start=\"477\" data-end=\"756\">Starting a Long-Term Care Insurance (LTCI) claim can feel overwhelming\u2014especially when you\u2019re already worried about a loved one\u2019s safety and care needs. To make things easier, we\u2019ve created a simple, step-by-step checklist you can print and use as you move through the process.<\/p>\n<p data-start=\"758\" data-end=\"965\">This checklist is designed to help you gather the right information, ask the right questions, and stay organized from your very first phone call to the insurance company through getting care started at home.<\/p>\n<blockquote data-start=\"967\" data-end=\"1237\">\n<p data-start=\"969\" data-end=\"1237\"><strong data-start=\"969\" data-end=\"1001\">Need help with this process?<\/strong><br data-start=\"1001\" data-end=\"1004\" \/>Assisting Hands Home Care of Chattanooga can review your policy, communicate with the insurance company, and provide the documentation they need once care begins. That way, your family can focus on your loved one\u2014not the paperwork.<\/p>\n<\/blockquote>\n<hr data-start=\"1239\" data-end=\"1242\" \/>\n<h2 data-start=\"1244\" data-end=\"1271\">How This Checklist Helps<\/h2>\n<p data-start=\"1273\" data-end=\"1406\">Families often aren\u2019t sure where to begin with Long-Term Care Insurance. However, a clear plan makes the process much less stressful.<img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1850 alignright\" src=\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-300x200.jpg\" alt=\"Long-Term Care Insurance Claim Checklist\" width=\"300\" height=\"200\" srcset=\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-300x200.jpg 300w, https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-1024x683.jpg 1024w, https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-768x512.jpg 768w, https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-1536x1024.jpg 1536w, https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-2048x1365.jpg 2048w, https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-600x400.jpg 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p data-start=\"1408\" data-end=\"1430\">Use this checklist to:<\/p>\n<ul data-start=\"1432\" data-end=\"1672\">\n<li data-start=\"1432\" data-end=\"1484\">\n<p data-start=\"1434\" data-end=\"1484\">Understand what most LTCI companies will ask for<\/p>\n<\/li>\n<li data-start=\"1485\" data-end=\"1533\">\n<p data-start=\"1487\" data-end=\"1533\">Keep track of forms, contacts, and deadlines<\/p>\n<\/li>\n<li data-start=\"1534\" data-end=\"1608\">\n<p data-start=\"1536\" data-end=\"1608\">Coordinate between your family, your doctor, and your home care agency<\/p>\n<\/li>\n<li data-start=\"1609\" data-end=\"1672\">\n<p data-start=\"1611\" data-end=\"1672\">Avoid delays so your benefits can start as soon as possible<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1674\" data-end=\"1810\">You can print the checklist below and write directly on it, or keep it open on your phone or computer and check off each step as you go.<\/p>\n<hr data-start=\"1812\" data-end=\"1815\" \/>\n<h2 data-start=\"1817\" data-end=\"1850\">Printable LTCI Claim Checklist<\/h2>\n<h3 data-start=\"1992\" data-end=\"2014\">Policy Information<\/h3>\n<p data-start=\"2016\" data-end=\"2124\">Before anything else, gather the basic policy details. This information will be needed on nearly every call.<\/p>\n<p data-start=\"2126\" data-end=\"2436\">\u25a1 Locate your LTCI policy (paper copy or digital)<br data-start=\"2175\" data-end=\"2178\" \/>\u25a1 Write down the <strong data-start=\"2195\" data-end=\"2221\">insurance company name<\/strong><br data-start=\"2221\" data-end=\"2224\" \/>\u25a1 Write down the <strong data-start=\"2241\" data-end=\"2258\">policy number<\/strong><br data-start=\"2258\" data-end=\"2261\" \/>\u25a1 Write down the <strong data-start=\"2278\" data-end=\"2320\">customer service \/ claims phone number<\/strong><br data-start=\"2320\" data-end=\"2323\" \/>\u25a1 Note the <strong data-start=\"2334\" data-end=\"2362\">policyholder\u2019s full name<\/strong> (the person insured)<br data-start=\"2383\" data-end=\"2386\" \/>\u25a1 Note the <strong data-start=\"2397\" data-end=\"2414\">date of birth<\/strong> of the policyholder<\/p>\n<hr data-start=\"2438\" data-end=\"2441\" \/>\n<h3 data-start=\"2443\" data-end=\"2470\">Prepare Before You Call<\/h3>\n<p data-start=\"2472\" data-end=\"2564\">Taking a few minutes to prepare ahead of time can make your first call much more productive.<\/p>\n<p data-start=\"2566\" data-end=\"2777\">\u25a1 Confirm the <strong data-start=\"2580\" data-end=\"2614\">current diagnosis or condition<\/strong> (for example: dementia, stroke, Parkinson\u2019s, recent surgery, general frailty)<br data-start=\"2692\" data-end=\"2695\" \/>\u25a1 Make a list of <strong data-start=\"2712\" data-end=\"2732\">daily activities<\/strong> the policyholder needs help with, such as:<\/p>\n<ul data-start=\"2778\" data-end=\"2900\">\n<li data-start=\"2778\" data-end=\"2789\">\n<p data-start=\"2780\" data-end=\"2789\">Bathing<\/p>\n<\/li>\n<li data-start=\"2790\" data-end=\"2802\">\n<p data-start=\"2792\" data-end=\"2802\">Dressing<\/p>\n<\/li>\n<li data-start=\"2803\" data-end=\"2816\">\n<p data-start=\"2805\" data-end=\"2816\">Toileting<\/p>\n<\/li>\n<li data-start=\"2817\" data-end=\"2866\">\n<p data-start=\"2819\" data-end=\"2866\">Transferring (getting in\/out of bed or chair)<\/p>\n<\/li>\n<li data-start=\"2867\" data-end=\"2877\">\n<p data-start=\"2869\" data-end=\"2877\">Eating<\/p>\n<\/li>\n<li data-start=\"2878\" data-end=\"2900\">\n<p data-start=\"2880\" data-end=\"2900\">Walking \/ mobility<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2902\" data-end=\"3018\">\u25a1 Note any <strong data-start=\"2913\" data-end=\"2932\">safety concerns<\/strong> (falls, wandering, confusion, nighttime issues)<br data-start=\"2980\" data-end=\"2983\" \/>\u25a1 Gather contact information for:<\/p>\n<ul data-start=\"3019\" data-end=\"3141\">\n<li data-start=\"3019\" data-end=\"3042\">\n<p data-start=\"3021\" data-end=\"3042\">Primary care doctor<\/p>\n<\/li>\n<li data-start=\"3043\" data-end=\"3062\">\n<p data-start=\"3045\" data-end=\"3062\">Any specialists<\/p>\n<\/li>\n<li data-start=\"3063\" data-end=\"3141\">\n<p data-start=\"3065\" data-end=\"3141\">Your preferred home care agency (Assisting Hands Home Care of Chattanooga)<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"3143\" data-end=\"3146\" \/>\n<h3 data-start=\"3148\" data-end=\"3186\">Step 1: Call the Insurance Company<\/h3>\n<p data-start=\"3188\" data-end=\"3244\">Once you have the basics ready, you can start the claim.<\/p>\n<p data-start=\"3246\" data-end=\"3391\">\u25a1 Call the <strong data-start=\"3257\" data-end=\"3287\">claims or customer service<\/strong> number listed on the policy<br data-start=\"3315\" data-end=\"3318\" \/>\u25a1 Ask to <strong data-start=\"3327\" data-end=\"3373\">start a new Long-Term Care Insurance claim<\/strong><br data-start=\"3373\" data-end=\"3376\" \/>\u25a1 Write down:<\/p>\n<ul data-start=\"3392\" data-end=\"3583\">\n<li data-start=\"3392\" data-end=\"3444\">\n<p data-start=\"3394\" data-end=\"3444\">Date and time of your call: ____________________<\/p>\n<\/li>\n<li data-start=\"3445\" data-end=\"3512\">\n<p data-start=\"3447\" data-end=\"3512\">Name of the representative you spoke with: ____________________<\/p>\n<\/li>\n<li data-start=\"3513\" data-end=\"3583\">\n<p data-start=\"3515\" data-end=\"3583\">Any <strong data-start=\"3519\" data-end=\"3545\">claim reference number<\/strong> they give you: ____________________<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3585\" data-end=\"3642\">During the call, it helps to ask clear, direct questions:<\/p>\n<p data-start=\"3644\" data-end=\"3671\">\u25a1 Ask the representative:<\/p>\n<ul data-start=\"3672\" data-end=\"4022\">\n<li data-start=\"3672\" data-end=\"3714\">\n<p data-start=\"3674\" data-end=\"3714\">\u201cWhat are the steps to start a claim?\u201d<\/p>\n<\/li>\n<li data-start=\"3715\" data-end=\"3755\">\n<p data-start=\"3717\" data-end=\"3755\">\u201cWhat forms do we need to complete?\u201d<\/p>\n<\/li>\n<li data-start=\"3756\" data-end=\"3826\">\n<p data-start=\"3758\" data-end=\"3826\">\u201cWho needs to complete the forms (doctor, family, care provider)?\u201d<\/p>\n<\/li>\n<li data-start=\"3827\" data-end=\"3889\">\n<p data-start=\"3829\" data-end=\"3889\">\u201cDo you require an assessment by a nurse or care manager?\u201d<\/p>\n<\/li>\n<li data-start=\"3890\" data-end=\"3967\">\n<p data-start=\"3892\" data-end=\"3967\">\u201cHow many Activities of Daily Living (ADLs) must be impacted to qualify?\u201d<\/p>\n<\/li>\n<li data-start=\"3968\" data-end=\"4022\">\n<p data-start=\"3970\" data-end=\"4022\">\u201cIs cognitive impairment (like dementia) covered?\u201d<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"4024\" data-end=\"4027\" \/>\n<h3 data-start=\"4029\" data-end=\"4065\">Step 2: Understand Your Benefits<\/h3>\n<p data-start=\"4067\" data-end=\"4162\">Next, you\u2019ll want to understand exactly what your policy covers so you can plan care and costs.<\/p>\n<p data-start=\"4164\" data-end=\"4244\">* Inquire about your <strong data-start=\"4181\" data-end=\"4203\">elimination period<\/strong> (waiting period before benefits begin)<\/p>\n<ul data-start=\"4245\" data-end=\"4371\">\n<li data-start=\"4245\" data-end=\"4275\">\n<p data-start=\"4247\" data-end=\"4275\">Number of days: __________<\/p>\n<\/li>\n<li data-start=\"4276\" data-end=\"4371\">\n<p data-start=\"4278\" data-end=\"4371\">Does the elimination period require <strong data-start=\"4314\" data-end=\"4331\">paid services<\/strong>, or is it based on <strong data-start=\"4351\" data-end=\"4368\">calendar days<\/strong>?<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4373\" data-end=\"4423\">&#8211; Ask about <strong data-start=\"4385\" data-end=\"4407\">home care coverage<\/strong> specifically:<\/p>\n<ul data-start=\"4424\" data-end=\"4616\">\n<li data-start=\"4424\" data-end=\"4492\">\n<p data-start=\"4426\" data-end=\"4492\">\u201cDoes this policy cover non-medical home care \/ custodial care?\u201d<\/p>\n<\/li>\n<li data-start=\"4493\" data-end=\"4550\">\n<p data-start=\"4495\" data-end=\"4550\">\u201cIs there a minimum number of hours per day or week?\u201d<\/p>\n<\/li>\n<li data-start=\"4551\" data-end=\"4616\">\n<p data-start=\"4553\" data-end=\"4616\">\u201cAre there any agency requirements (licensed, bonded, etc.)?\u201d<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4618\" data-end=\"4658\">+ Write down your <strong data-start=\"4636\" data-end=\"4655\">benefit details<\/strong>:<\/p>\n<ul data-start=\"4659\" data-end=\"4853\">\n<li data-start=\"4659\" data-end=\"4715\">\n<p data-start=\"4661\" data-end=\"4715\">Daily or weekly benefit amount: ____________________<\/p>\n<\/li>\n<li data-start=\"4716\" data-end=\"4795\">\n<p data-start=\"4718\" data-end=\"4795\">Maximum benefit period (e.g., 2 years, 3 years, etc.): ____________________<\/p>\n<\/li>\n<li data-start=\"4796\" data-end=\"4853\">\n<p data-start=\"4798\" data-end=\"4853\">Lifetime maximum benefit amount: ____________________<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"4855\" data-end=\"4858\" \/>\n<h3 data-start=\"4860\" data-end=\"4895\">Step 3: Complete Required Forms<\/h3>\n<p data-start=\"4897\" data-end=\"5005\">After your initial call, most companies will send forms. At this stage, organization makes a big difference.<\/p>\n<p data-start=\"5007\" data-end=\"5065\">\u25a1 Receive claim forms (by mail, email, or online portal)<\/p>\n<ul data-start=\"5068\" data-end=\"5248\">\n<li data-start=\"5068\" data-end=\"5105\">\n<p data-start=\"5070\" data-end=\"5105\">\u25a1 Policyholder \/ family statement<\/p>\n<\/li>\n<li data-start=\"5108\" data-end=\"5149\">\n<p data-start=\"5110\" data-end=\"5149\">\u25a1 Physician statement or Plan of Care<\/p>\n<\/li>\n<li data-start=\"5152\" data-end=\"5202\">\n<p data-start=\"5154\" data-end=\"5202\">\u25a1 Authorization to release medical information<\/p>\n<\/li>\n<li data-start=\"5205\" data-end=\"5248\">\n<p data-start=\"5207\" data-end=\"5248\">\u25a1 Provider or agency forms, if required<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5250\" data-end=\"5419\">\u25a1 Schedule an appointment with the <strong data-start=\"5285\" data-end=\"5295\">doctor<\/strong> (or ask the office) to complete their portion<br data-start=\"5341\" data-end=\"5344\" \/>\u25a1 Coordinate with your <strong data-start=\"5367\" data-end=\"5387\">home care agency<\/strong> (Assisting Hands) to provide:<\/p>\n<ul data-start=\"5422\" data-end=\"5499\">\n<li data-start=\"5422\" data-end=\"5450\">\n<p data-start=\"5424\" data-end=\"5450\">A proposed <strong data-start=\"5435\" data-end=\"5448\">care plan<\/strong><\/p>\n<\/li>\n<li data-start=\"5453\" data-end=\"5499\">\n<p data-start=\"5455\" data-end=\"5499\"><strong data-start=\"5455\" data-end=\"5476\">Service agreement<\/strong> or estimate of hours<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5501\" data-end=\"5528\">Finally, keep good records:<\/p>\n<p data-start=\"5530\" data-end=\"5605\">\u25a1 Make copies or save digital scans of all completed forms before sending<\/p>\n<hr data-start=\"5607\" data-end=\"5610\" \/>\n<h3 data-start=\"5612\" data-end=\"5648\">Step 4: Assessment (If Required)<\/h3>\n<p data-start=\"5650\" data-end=\"5747\">In many cases, the insurance company may send a nurse or care manager to evaluate your loved one.<\/p>\n<p data-start=\"5749\" data-end=\"5920\">\u25a1 Confirm whether the insurance company will send a <strong data-start=\"5801\" data-end=\"5826\">nurse or care manager<\/strong> for an assessment<br data-start=\"5844\" data-end=\"5847\" \/>\u25a1 Schedule the visit and write down the date\/time: ____________________<\/p>\n<p data-start=\"5922\" data-end=\"5952\">To prepare for the assessment:<\/p>\n<p data-start=\"5954\" data-end=\"6156\">\u25a1 Be honest about what your loved one <strong data-start=\"5992\" data-end=\"6025\">cannot do safely on their own<\/strong><br data-start=\"6025\" data-end=\"6028\" \/>\u25a1 Share any recent <strong data-start=\"6047\" data-end=\"6097\">falls, hospitalizations, or confusion episodes<\/strong><br data-start=\"6097\" data-end=\"6100\" \/>\u25a1 Have your <strong data-start=\"6112\" data-end=\"6128\">list of ADLs<\/strong> and safety concerns ready<\/p>\n<p data-start=\"6158\" data-end=\"6231\">\u25a1 After the assessment, write down any notes or next steps given to you<\/p>\n<hr data-start=\"6233\" data-end=\"6236\" \/>\n<h3 data-start=\"6238\" data-end=\"6290\">Step 5: Choose and Start with a Home Care Agency<\/h3>\n<p data-start=\"6292\" data-end=\"6376\">Once the claim is underway, you can move forward with getting help in place at home.<\/p>\n<p data-start=\"6378\" data-end=\"6536\">\u25a1 Contact <strong data-start=\"6388\" data-end=\"6432\">Assisting Hands Home Care of Chattanooga<\/strong><br data-start=\"6456\" data-end=\"6459\" \/>\u25a1 Share your LTCI policy details with the agency<br data-start=\"6507\" data-end=\"6510\" \/>\u25a1 Ask if the agency can:<\/p>\n<ul data-start=\"6537\" data-end=\"6719\">\n<li data-start=\"6537\" data-end=\"6583\">\n<p data-start=\"6539\" data-end=\"6583\">Help with <strong data-start=\"6549\" data-end=\"6581\">care notes and documentation<\/strong><\/p>\n<\/li>\n<li data-start=\"6584\" data-end=\"6654\">\n<p data-start=\"6586\" data-end=\"6654\">Submit <strong data-start=\"6593\" data-end=\"6605\">invoices<\/strong> directly to the insurance company (if allowed)<\/p>\n<\/li>\n<li data-start=\"6655\" data-end=\"6719\">\n<p data-start=\"6657\" data-end=\"6719\">Help you track hours and services for the elimination period<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6721\" data-end=\"6866\">\u25a1 Finalize your <strong data-start=\"6737\" data-end=\"6757\">schedule of care<\/strong> (days, times, and level of support)<br data-start=\"6793\" data-end=\"6796\" \/>\u25a1 Sign the <strong data-start=\"6807\" data-end=\"6828\">service agreement<\/strong> and confirm the start date for care<\/p>\n<hr data-start=\"6868\" data-end=\"6871\" \/>\n<h3 data-start=\"6873\" data-end=\"6923\">Step 6: Submitting Claims &amp; Getting Reimbursed<\/h3>\n<p data-start=\"6925\" data-end=\"7007\">After care begins, you\u2019ll need a routine for sending claims and tracking payments.<\/p>\n<p data-start=\"7009\" data-end=\"7056\">\u25a1 Confirm whether the insurance company pays:<\/p>\n<ul data-start=\"7057\" data-end=\"7128\">\n<li data-start=\"7057\" data-end=\"7094\">\n<p data-start=\"7059\" data-end=\"7094\">You (the policyholder\/family), or<\/p>\n<\/li>\n<li data-start=\"7095\" data-end=\"7128\">\n<p data-start=\"7097\" data-end=\"7128\">The home care agency directly<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"7130\" data-end=\"7192\">\u25a1 Ask how often to submit claims (weekly, biweekly, monthly)<\/p>\n<p data-start=\"7194\" data-end=\"7212\">To stay organized:<\/p>\n<p data-start=\"7214\" data-end=\"7233\">\u25a1 Keep copies of:<\/p>\n<ul data-start=\"7234\" data-end=\"7343\">\n<li data-start=\"7234\" data-end=\"7254\">\n<p data-start=\"7236\" data-end=\"7254\">All <strong data-start=\"7240\" data-end=\"7252\">invoices<\/strong><\/p>\n<\/li>\n<li data-start=\"7255\" data-end=\"7290\">\n<p data-start=\"7257\" data-end=\"7290\">All <strong data-start=\"7261\" data-end=\"7288\">care notes \/ timesheets<\/strong><\/p>\n<\/li>\n<li data-start=\"7291\" data-end=\"7343\">\n<p data-start=\"7293\" data-end=\"7343\">Any letters or emails from the insurance company<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"7345\" data-end=\"7460\">\u25a1 Mark a reminder to <strong data-start=\"7366\" data-end=\"7379\">follow up<\/strong> if you don\u2019t receive a decision or payment within the time frame they gave you<\/p>\n<hr data-start=\"7462\" data-end=\"7465\" \/>\n<h3 data-start=\"7467\" data-end=\"7503\">Step 7: Ongoing Review &amp; Updates<\/h3>\n<p data-start=\"7505\" data-end=\"7566\">Even after the claim is approved, needs may change over time.<\/p>\n<p data-start=\"7568\" data-end=\"7610\">* Keep a folder (paper or digital) with:<\/p>\n<ul data-start=\"7611\" data-end=\"7715\">\n<li data-start=\"7611\" data-end=\"7631\">\n<p data-start=\"7613\" data-end=\"7631\">Policy documents<\/p>\n<\/li>\n<li data-start=\"7632\" data-end=\"7665\">\n<p data-start=\"7634\" data-end=\"7665\">Claim numbers &amp; contact names<\/p>\n<\/li>\n<li data-start=\"7666\" data-end=\"7715\">\n<p data-start=\"7668\" data-end=\"7715\">Copies of all forms, assessments, and letters<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"7717\" data-end=\"7753\">&#8211; Notify the insurance company if:<\/p>\n<ul data-start=\"7754\" data-end=\"7884\">\n<li data-start=\"7754\" data-end=\"7785\">\n<p data-start=\"7756\" data-end=\"7785\">The <strong data-start=\"7760\" data-end=\"7783\">care needs increase<\/strong><\/p>\n<\/li>\n<li data-start=\"7786\" data-end=\"7828\">\n<p data-start=\"7788\" data-end=\"7828\">The <strong data-start=\"7792\" data-end=\"7826\">schedule changes significantly<\/strong><\/p>\n<\/li>\n<li data-start=\"7829\" data-end=\"7884\">\n<p data-start=\"7831\" data-end=\"7884\">There is a <strong data-start=\"7842\" data-end=\"7859\">hospital stay<\/strong> or major health change<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"7886\" data-end=\"7968\">+ Periodically review remaining benefits with the insurance company so you know:<\/p>\n<ul data-start=\"7969\" data-end=\"8069\">\n<li data-start=\"7969\" data-end=\"7997\">\n<p data-start=\"7971\" data-end=\"7997\">How much benefit is left<\/p>\n<\/li>\n<li data-start=\"7998\" data-end=\"8069\">\n<p data-start=\"8000\" data-end=\"8069\">How long coverage is expected to last at your current level of care<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"8071\" data-end=\"8074\" \/>\n<h2 data-start=\"8076\" data-end=\"8112\">We Can Walk Through This With You<\/h2>\n<p data-start=\"8114\" data-end=\"8299\">You don\u2019t have to figure this out alone. Our team at <strong data-start=\"8167\" data-end=\"8211\">Assisting Hands Home Care of Chattanooga<\/strong> regularly works with families using Long-Term Care Insurance to pay for care at home.<\/p>\n<p data-start=\"8301\" data-end=\"8550\">If you\u2019d like help reviewing your policy, coordinating with the insurance company, or creating a care plan that fits your benefits, <a href=\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/contact-us\/\"><strong data-start=\"8433\" data-end=\"8453\">contact us today<\/strong><\/a>. We\u2019re happy to walk through this checklist with you and make the process as smooth as possible.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Long-Term Care Insurance Claim Checklist Starting a Long-Term Care Insurance (LTCI) claim can feel overwhelming\u2014especially when you\u2019re already worried about a loved one\u2019s safety and care needs. To make things easier, we\u2019ve created a simple, step-by-step checklist you can print and use as you move through the process. This checklist is designed to help you gather the right information, ask&#8230;<\/p>\n","protected":false},"author":235,"featured_media":0,"parent":758,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2279","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>LTCI Claim Checklist - Assisting Hands - Chattanooga<\/title>\n<meta name=\"description\" content=\"Start your Long-Term Care Insurance claim. Use our free printable checklist to gather documents, understand benefits, and move care forward.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LTCI Claim Checklist\" \/>\n<meta property=\"og:description\" content=\"Start your Long-Term Care Insurance claim. Use our free printable checklist to gather documents, understand benefits, and move care forward.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/\" \/>\n<meta property=\"og:site_name\" content=\"Assisting Hands - Chattanooga\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-26T17:24:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/\",\"url\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/\",\"name\":\"LTCI Claim Checklist - Assisting Hands - Chattanooga\",\"isPartOf\":{\"@id\":\"https:\/\/assistinghands.com\/117\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-300x200.jpg\",\"datePublished\":\"2025-11-26T17:22:39+00:00\",\"dateModified\":\"2025-11-26T17:24:25+00:00\",\"description\":\"Start your Long-Term Care Insurance claim. Use our free printable checklist to gather documents, understand benefits, and move care forward.\",\"breadcrumb\":{\"@id\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#primaryimage\",\"url\":\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-scaled.jpg\",\"contentUrl\":\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"Long-Term Care Insurance Claim Checklist\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/assistinghands.com\/117\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tennessee\",\"item\":\"https:\/\/assistinghands.com\/117\/tennessee\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Chattanooga\",\"item\":\"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"LTCI Claim Checklist\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/assistinghands.com\/117\/#website\",\"url\":\"https:\/\/assistinghands.com\/117\/\",\"name\":\"Assisting Hands - Chattanooga\",\"description\":\"Quality Home Care You Can Trust\",\"publisher\":{\"@id\":\"https:\/\/assistinghands.com\/117\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/assistinghands.com\/117\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/assistinghands.com\/117\/#organization\",\"name\":\"Assisting Hands - Chattanooga\",\"url\":\"https:\/\/assistinghands.com\/117\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/assistinghands.com\/117\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2016\/10\/logo.png\",\"contentUrl\":\"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2016\/10\/logo.png\",\"width\":154,\"height\":99,\"caption\":\"Assisting Hands - Chattanooga\"},\"image\":{\"@id\":\"https:\/\/assistinghands.com\/117\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"LTCI Claim Checklist - Assisting Hands - Chattanooga","description":"Start your Long-Term Care Insurance claim. Use our free printable checklist to gather documents, understand benefits, and move care forward.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/","og_locale":"en_US","og_type":"article","og_title":"LTCI Claim Checklist","og_description":"Start your Long-Term Care Insurance claim. Use our free printable checklist to gather documents, understand benefits, and move care forward.","og_url":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/","og_site_name":"Assisting Hands - Chattanooga","article_modified_time":"2025-11-26T17:24:25+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/","url":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/","name":"LTCI Claim Checklist - Assisting Hands - Chattanooga","isPartOf":{"@id":"https:\/\/assistinghands.com\/117\/#website"},"primaryImageOfPage":{"@id":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#primaryimage"},"image":{"@id":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#primaryimage"},"thumbnailUrl":"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-300x200.jpg","datePublished":"2025-11-26T17:22:39+00:00","dateModified":"2025-11-26T17:24:25+00:00","description":"Start your Long-Term Care Insurance claim. Use our free printable checklist to gather documents, understand benefits, and move care forward.","breadcrumb":{"@id":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#primaryimage","url":"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-scaled.jpg","contentUrl":"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2025\/01\/hgZahrxPRctpx7Gi5UvzJY-scaled.jpg","width":2560,"height":1707,"caption":"Long-Term Care Insurance Claim Checklist"},{"@type":"BreadcrumbList","@id":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/long-term-care-insurance-claim-checklist\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/assistinghands.com\/117\/"},{"@type":"ListItem","position":2,"name":"Tennessee","item":"https:\/\/assistinghands.com\/117\/tennessee\/"},{"@type":"ListItem","position":3,"name":"Chattanooga","item":"https:\/\/assistinghands.com\/117\/tennessee\/chattanooga\/"},{"@type":"ListItem","position":4,"name":"LTCI Claim Checklist"}]},{"@type":"WebSite","@id":"https:\/\/assistinghands.com\/117\/#website","url":"https:\/\/assistinghands.com\/117\/","name":"Assisting Hands - Chattanooga","description":"Quality Home Care You Can Trust","publisher":{"@id":"https:\/\/assistinghands.com\/117\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/assistinghands.com\/117\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/assistinghands.com\/117\/#organization","name":"Assisting Hands - Chattanooga","url":"https:\/\/assistinghands.com\/117\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/assistinghands.com\/117\/#\/schema\/logo\/image\/","url":"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2016\/10\/logo.png","contentUrl":"https:\/\/assistinghands.com\/117\/wp-content\/uploads\/sites\/162\/2016\/10\/logo.png","width":154,"height":99,"caption":"Assisting Hands - Chattanooga"},"image":{"@id":"https:\/\/assistinghands.com\/117\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/pages\/2279","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/users\/235"}],"replies":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/comments?post=2279"}],"version-history":[{"count":3,"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/pages\/2279\/revisions"}],"predecessor-version":[{"id":2284,"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/pages\/2279\/revisions\/2284"}],"up":[{"embeddable":true,"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/pages\/758"}],"wp:attachment":[{"href":"https:\/\/assistinghands.com\/117\/wp-json\/wp\/v2\/media?parent=2279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}