Initiating the Claim

The Claim

You own a LTCI policy and have been paying the premiums for years. Sometimes when it is time to pay the premium, you have thought, “Why am I spending this money?” In these tight economic times it becomes easy to think I will just let this policy lapse. Why not drop the policy? It’s only a piece of paper sitting in my file cabinet. What does it do or what has it done for me; absolutely nothing.

But then…

You go to your annual doctor’s appointment for your physical, take some tests, and your doctor says, “I will call you with the results.” However, instead of hearing, “Everything looks fine, see you next year,” the message says, “Please call the office to set up another appointment, we need to discuss your test results.”


All of a sudden, you wake up with some discomfort in your left arm, a little pressure in your chest, and then next think you know…911.


Your out with friends; Dinner and a movie, or a concert just having a fun evening. You didn’t see the curb or the crack in the sidewalk and then you fall. You feel the hip it and then the pain.

These are just some of the situations that can and do confront all of us.

Now you are in the hospital or the ER hoping for the best. Family and friends are all concerned about your well being. You may be admitted to the hospital and then perhaps rehab. You have survived this horrible incident. You have all the nurses there, the physical therapists, and all the help you need. But what you are most concerned about stays on your mind. “What will I do when I go home? I am going to need this help there.”

Then you remember…

“I have a Home Health Care (Long-Term Care) Policy…This is Great News!” However, you realize that you cannot remember your benefits. You also realize you have o idea on what to do to start utilization of that policy:

  • “Where do I get help?”
  • “How long can I have help each day?”
  • “Who pays for the help? The Insurance Company or me?”

You have no idea whom to call; Your spouse or kids don’t know either. And of course, the agent that sold you the policy years ago has never maintained contact and you have no idea where he/she is.

You possibly hire someone referred to you, but how do you know if:

  • They are acceptable to the insurance company?
  • They are bonded?
  • They had a physical in the past year (to prevent spreading of disease)?
  • There has been a background check recently (to make sure they are of good character)?

By the time you get to the insurance company to actually file your claim, you get confronted with questions, claim procedures, and of course endless amounts of paperwork all regarding utilization of your policy. Your confused and angry that after paying your premium all of those years, the ability to receive the promises made long ago seem so impossible to receive.

Unfortunately, the process of accessing your policy benefits overwhelms most individuals. You’re sick, not at your best and if you do not have a responsible “advocate” by your side, many just give up.

Do you know your:

  • Daily Benefit?
  • Elimination Period?
  • Benefits Period
  • What ADL’s are?
  • How many ADL’s to activate your policy?
  • If you have inflation?

These are just some of the hurdles when it is time to use your Home Health Care/Long Term Care Policy. If you can not answer one of these questions, you must call me! You now have that “advocate.” Even if you did not buy your policy from me, I can help you understand your policy and answer these questions for you.

I take pride in the fact that service is my #1 priority. Since the very beginning of my career in the insurance industry, I have always maintained that my clients believed in me and the products I represent. I have a professional and moral obligation to be my clients advocate. When any of my clients (regardless where they reside) need to use their policies, they know they must call me. Not only do I know their policy benefits, but I am an expert in the claims procedure. I am also able to assist my clients in obtaining the appropriate help. I not only offer my clients piece of mind that they are appropriately insured, but I have and always will deliver all promises made.

Abe Glickman, LTCA, LTCP


Abe Glickman Insurance Group

Toll-Free Phone: 877-298-5824


“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!