An older couple looking at a computer.

 

Frequently asked questions

Lincoln's long-term care solutions have been helping individuals protect their wealth from the impact of long-term care costs. Shown below, are some frequently asked questions to enhance your understanding of the long-term care claim process.

When you are ready to get started filing your claim, click on Lincoln i-Claim
   

Preparing to file a Claim

When do I need to file a claim?

The rider provides a reimbursement of qualified long-term care services if the insured meets the rider’s definition of Chronically Ill. You can initiate a claim as soon as long-term care services begin.

What if the insured or policy owner is legally incompetent?

We will require a copy of the documentation appointing the insured’s or policy owner’s legal representative. 

  •  A certified copy of the court-approved appointment must be submitted if there is a legal guardian or conservator.
  •  A copy of the Financial Power of Attorney document must be provided if there is a Power of Attorney acting on the insured’s or policy owner’s behalf. If that document was signed more than three years ago, we will also require an Affidavit by Attorney in Fact form to certify that the document is still in force. 
My long-term care rider has a 90-day deductible. When can I file a claim?

The policy owner can initiate a claim as soon as care begins. The 90-day deductible is 90 days of qualifying care.

  • It begins on the first day that long-term care services are received. 
  • Each day thereafter on which the insured receives qualifying care will be applied toward the deductible until 90 days have been satisfied. 
  • Days of service covered in whole or in part by other insurance may not apply.
  • Please refer to the rider for a complete list.
How does the 90-day deductible work?
  • It begins on the first day that long-term care services are received. 
  • Each day thereafter on which the insured receives of qualifying care will be applied toward the deductible until 90 days have been satisfied. 
  • Days of service covered in whole or in part by other insurance may not apply.
  • Please refer to the rider for a complete list.
     
How can I find additional long-term care support?

Visit Lincoln Concierge Care Coordination to get the right long-term care resources with 24/7 web access:

  • Find local services. Discover services in your area, ranging from home maintenance to skilled nursing and living options.
  • Create your own social network. It can center on you or those in your care.
  • Get a personal needs assessment. Use it to create a plan that considers your unique situation and needs.
  • Get care recommendations. Request a Provider Search & Match — a customized list of provider options in your area.
  • Visit the online library. View articles, videos and checklists on health, aging and eldercare issues.
     
Can I authorize another individual to call in and obtain policy information?
What is Lincoln Concierge Care?

 

Filing a claim

How should the Legal Representative complete the insured’s Statement of Loss form on behalf of the claimant?
  • The form must be completed by the Power of Attorney, Guardian or Conservator of the insured, or policy owner if the insured and policy owner are not the same.
  • The representative needs to include their contact information on the form, in the applicable section.
  • When signing the form, the representative will need to list their title in the appropriate section. 
What if the policy owner is a Trust?
Who should complete the Medical Assessment Plan of Care form?

A physician, registered professional nurse or licensed social worker can complete the form.

Who should complete the Care Provider Assessment form?
  • Each care giver or company that has provided long-term care services for the insured (ie. home health agency, private care giver, nursing home or assisted living facility).
What if my in home caregiver is self-employed and cannot supply an invoice or billing statement for the services that they provide?
  • If a private caregiver is unable to supply an invoice or billing statement, we will accept the Home Health Care Provider Service Record (PDF) . This form will require the signature of both the caregiver and policy owner, or the owner’s qualified representative.
Would filing a claim have any tax implications and/or impact to other policy benefits?

Please review your policy and/or riders to determine whether filing a claim will have any tax implications or impact on any other benefits to which you may be entitled.

 

Claim Payment

If I have an active claim, how do I request benefit reimbursement?
  • In order to receive payment, you must provide proof that a covered expense has been incurred. This would be in the form of an itemized billing statement or invoice from the care provider. If the rider has a 90-day deductible, you will need to provide invoices or billing statements for that time period as well.
Who will receive approved payments under the rider?
  • Checks are made payable to the policy owner and mailed to the address of record.

  • The policy owner or their legal representative can complete an Assignment of Benefits form to have payments released directly to the provider or caregiver.

 

Claim Maintenance

How do I change my address?
Will I need to recertify for benefits on a regular basis?
  • Annual recertification is required per the language in your policy contract or rider. The policy owner will be notified when recertification is due.
I have experienced a change in care providers. Do I need to notify Lincoln of this change?
If my level of care changes, do I need to notify Lincoln?

Yes, please contact your Care Specialist.