One of the more frustrating things for folks who file long term care insurance claims is the way that documents can become “lost in space” when they send them to the carrier. In general carriers do a VERY good job of tracking and keeping documents. But while each of us who file claims are working on only one LTC claim, they are working on hundreds or thousands at a time. When you add in that they have human beings working there (all prone to accidental human error on any given day!), and the challenge of mechanical gadgets like faxes breaking down, then there is room for problems.
Around here when we file a long term care insurance claim, our SOP is to fax in the documentation on day one (say Monday) and then 24 to 48 hours later (say Tuesday or Wednesday) we call the carrier to be sure that all the documents arrived and are properly filed in the client’s folder. If it is not safely arrived, then we re-send the LTC claim information and repeat the pattern until we are certain that the paperwork is received in its entirety and is filed correctly.
So that is our tip for this week! Always confirm receipt of fax or mailings with the long term care insurance carrier. Always.
Some Additional Links to help you