About Us

About Mrs. LTC

What does Mrs. LTC do to help with Long Term Insurance Claims?

At Mrs LTC we understand that insurance companies must do due diligence to avoid fraud. That due diligence requires many care providers to send in many pages of documents. Therein lies the problems: multiple staff at multiple care providers must send in many documents using technology that (ahem) largely works (just not always works). Someone has to monitor and check the claim to fix communication problems and make sure accurate information is getting in the claim file for the claim adjuster to review.

When the claimant him/herself is fragile and the family are in overload with care, the claim process can be confusing and confounding. And yet, insurance companies pay very faithfully when the documents match the policy. These policies are good – they help offset the (very expensive) cost of care! So when there is a policy in the mix, this is overall a very good thing. The policies do pay benefits — owning term care insurance is the peace of mind families need.

BUT…someone has to read and understand the benefits triggers, read and understand what types of care givers are allowed, and then navigate and steer the document stream.

Mrs. LTC exists to stand in the gap.

We serve families as they face care and need help understanding the contract and/or filing the claim. Or, we help people shop for policies among the myriad options in the ever-changing market today. So whether someone is buying a new policy or trying to claim on an old policy, Stana’s personal passion to “help families do this better” is still alive and strong in our corporate culture. It is always our honor – and know that we think of it as an honor — to serve families in this area.

Here are a few resources to utilize to learn more about these processes:

Learn More About the Process

Explore these helpful resources to gain a clearer understanding of each step. Find guidance, insights, and details to support you throughout the process.

A note from our founder

I blame my parents. They taught me to read, sent me to school, and told me that if I worked hard I could impact the world. Here I am all these mumblety-mumble years later with books written and a passion to help people “do this aging thing” with better planning in place. I can only hope that I truly am positively impacting the world around me – one family at a time.

If you find a sense of humour in my work, you can blame my Uncle. He thought all of life should come with a laugh – can’t say I ever disagreed with him on that and the older I get the more true it seems. When I am not working helping families, you will find me riding my bicycle, playing bluegrass music, and gardening. Or napping. I really like napping….

What our Customers say

Meet the Owners

Dr. Stana Martin, PhD

Mrs. LTC Inc., was founded by Dr. Stana Martin, to help families navigate the long term care insurance.

Stana Martin, PhD and company founder, started selling long term care insurance in 2006. Early in her career, was frequently one of the top sales people in the nation for long term care policies. As her attention turned to helping families with claims in 2013, her sales of new policies slowly dropped over the next few years – but then, she never worked to be ‘a top producer,’ just to help families “do this aging thing better.” For her it was, is, and always will be about helping people God puts in her space. Industry accolades were a by-product of people-first. She has slowed down over the years, but you will still find her at her desk most workdays about 7am: answering emails, answering phones, answering questions and generally trying to make things go smoothly for everyone inside and outside the company. In her off-hours, the bike riding has been replaced with more walking, the bluegrass music is still going strong, and she still maintains a large berry and vegetable garden complete with bee hives. She also naps more. She still loves napping….

Nick Watson

Nick has joined the family business and brings along many of the same traits that represent the companies mission and values.

Nick grew up listening to his Mom, Stana Martin, talking insurance on the phone. In his teenage years, the vocabulary of “elimination period”, “daily benefit” and “activity of daily living” were only worthy of eye-rolls. But years later as Mrs LTC grew, he came on board first as a part-time staff to help with claims and eventually full time. He is currently a Co-Owner of the company – a title he juggles along with “Husband” and “Dad” of 2 healthy young boys. His own boys are now growing up hearing “elimination period”, “daily benefit”, and “activity of daily living”. He is waiting for the eye-rolls…. He follows proudly the path laid down by the company founder: let’s help folks do this better. Long term care is difficult for families. Money challenges that come with care are difficult for families. He will tell you that “money does not make care go away, it just makes it easier to pay for it and manage it.”

Question about a Claim?

Our claims specialists will help you to understand your policy and what it takes to be eligible for benefits, unstick a claim that is already in progress, and work through a denial letter to see if it is appealable. During our conversation we will help assess your medical eligibility, explain the claim process and common problem areas, determine what type of care the policy will pay for, provide helpful “insider tips” to make the claim process go smoother, and tell you if your claim should be approved or not before even contacting the insurance company. This conversation can save you from spending thousands of dollars on the wrong type of care and away from common mistakes that make the claim process harder and/or delay payments.

Shopping for coverage?

We can help you with quotes for both Traditional (“Stand Alone”) and Hybrid (“Asset based”) long term care plans. In order to prepare the quotes, you need to make choices on benefits, and we need some details to be accurate. Modern Privacy Rules prohibit this type of information being shared through email. A call will help determine your eligibility, as well as provide you with information about the plans; what they cover and what they cost.

Rate Increase? Changing Coverage?

If you have a rate increase letter from your insurance company and have questions, or if you need help determining if you should keep, change, or drop your benefits. Our staff can help you review your policy and the options you have. Due to high demand for this expertise, we charge $150.00. Complete the form and payment by clicking the button below.