Long-term care resources

  • FAQs
  • Contact us
  • Find a form
  • Start a claim
Am I a good candidate for long-term care coverage?
Explore our Lincoln MoneyGuard® pre-qualification tools to determine if you're a good candidate before applying.
How can I file a claim or find additional long-term care support?
Where can I find billing information?
How do I change my beneficiary?

You can change your beneficiary by printing and faxing, emailing or mailing the Beneficiary Change for Life Policy (PDF) form.

If you have questions and want to speak with a Customer Care Professional, please use the contact information on the form. Log in to your account to see your current beneficiary information. For more details, read our beneficiary changes page.

How do I make a payment?

Depending on your policy, you can make your payments:

  • Monthly: You can make premium or loan payments monthly through the Electronic Funds Transfer program by completing this authorization form. You can fax, email or mail it to the contact information listed on the Electronic Funds Transfer Authorization form. (PDF)
  • Direct: You can make payments through direct billing on a quarterly, semi-annual or annual basis. To remit a payment via mail, use the billing address found on your billing notice. To overnight a payment, send it to the Customer Service address for the appropriate product.

For contact information, use the Electronic Funds Transfer Authorization form. (PDF) Visit billing services for additional payment details.

How do I change or update a policy owner?
How do I make a claim?

Visit the "Start a claim" tab on the top of this page for details.

Where can I find additional information about my long-term care policy?

Phone support

All times are shown in Eastern Time.

Contact long-term care support

Customer Service

Lincoln  MoneyGuard®  Solutions  

800-487-1485, option 2
Mon-Fri 8:00 a.m.-6:00 p.m. ET
Fax: 800-819-1987
Email: CustServSupportTeam@LFG.com

MAILING ADDRESS
Lincoln Financial Group
P.O. Box 515
Concord, NH 03302-0515
OVERNIGHT ADDRESS
Lincoln Financial Group
One Granite Place
Concord, NH 0330
Claims

Lincoln  MoneyGuard®  Solutions  

800-487-1485, option 4
Mon-Fri 8:00 a.m.-4:40 p.m. ET
Fax: 336-691-4624

MAILING ADDRESS
Lincoln Financial Group
Claim Dept. - 5310
P.O. Box 21008
Greensboro, NC 27420-1008
OVERNIGHT ADDRESS
Lincoln Financial Group
Claim Dept. - 5310
100 N. Greene St.
Greensboro, NC 27401

Select your form below

Below you will find the forms you may need in filing a long-term care claim.

Don’t see what you need? Log in or register for online account access to find more long-term care forms.

Long-term care forms

  • (pdf)

Start your long-term care claims process

The need for long-term care and support services can be challenging. We believe the claims process should be as stress-free as possible.

Review our steps on how to file a Lincoln long-term care claim (PDF) .

LTC form
How to file a long-term care claim

Call us at 800-487-1485 or select "start claims process" below.

You will need:

  • Policy owner’s home address
  • Policy number(s)
  • Insured's date of onset

Start claims process

Have you already started the claims process?

The following forms can help you expedite the claims process:

Long-term care claims forms

  • (pdf)

Frequently asked questions

How long do reimbursements take?

Most claims are paid in five business days or less after approval.

Could a facility or care provider get paid directly?

Yes. You can set up an Assignment of Payment to request direct payment to
the care provider.

How frequently can a policy owner be reimbursed?

Monthly

If the policyowner required and paid for care, can they be reimbursed retroactively?

If the physician states that the care was needed and the provider confirms that
services were provided, then we can pay claims retroactively.

Initiating my Claim
 

How do I know what type of claim I have?

Our Claims Specialist would be happy to clarify this for you. You can call our life insurance or long-term care claims line at 800-487-1485 and select option 4. Or you can call our annuity claims line at 800-454-6265 and select option 3. We can help determine the type of claim you have and direct you to the appropriate party from either line.

What if I can't find some of the information requested in the online claim notification?

We might be able to work with the information you presently have, at least to start the process. For help with life insurance or long-term care claims, call 800-487-1485 and select option 4. For help with annuity claims, call 800-454-6265 and select option 3.

How should the Power of Attorney complete the Claimant's Statement on behalf of the beneficiary?

A copy of the Power of Attorney document must be submitted and cannot be more than three years old.

If the document is older than three years, a Power of Attorney Affidavit must be provided indicating the document hasn’t been revoked.

The beneficiary's Social Security Number must be provided; we cannot use the Attorney-in-Fact's.

What if the insured was a resident of Ohio or Indiana?

An additional approved Tax Waiver/Consent Form may be required for the following states and conditions:
Ohio Form ET 13 (for non-spousal beneficiaries and claims for more than $25,000)

Indiana Form IH-14 (for non-spousal beneficiaries)

What if the death of the insured occurred in a country other than the United States?

A Report of Death of an American Citizen Abroad from the U.S. Embassy of the country where the death occurred is required.

A Certified Death Certificate for the insured is required. (If it is in a foreign language we require it to be translated into English.)

Please fill out the  Foreign Death Questionnaire (PDF) .

What if the contract is an ERISA contract?

The claim form needs to be signed and approved by the Plan Administrator.

What is the SecureLine® payout account option?

SecureLine® is an interest-bearing account with check-writing privileges. As of November 1, 2015, the interest rate for SecureLine® accounts is 1.40%. To learn more about the benefits of a SecureLine® account, call 800-487-1485 and select option 4.

  

Beneficiaries

  

I'm the beneficiary of a death claim but I'm not certain the policy is with Lincoln.

Our Claims Specialist will use the information you supply to check our records. For help with life insurance or long-term care claims, call 800-487-1485 and select option 4. For help with annuity claims, call 800-454-6265 and select option 3.

What if the beneficiary is an Estate?
  • The Claimant's Statement must be completed by the court-appointed Executor of the Estate.
  • A certified copy of the Letters Testamentary must be included.
  • The tax identification number (TIN) for the estate is required. (We cannot use the insured's Social Security Number.)
  • If the estate qualifies, you may submit a small estate affidavit in lieu of the certified copy of the Letters Testamentary. (Check your state guidelines.)
  • The Claimants Statement, the Distinctive Payee Arrangement form, and the Certification Trustee Powers form must be completed by the Trustee(s) of the trust.
What if the beneficiary is a Trust?

The following pages of the Trust are required:

  • Title page of the Trust
  • Page naming the successor trustee(s)
  • Signature page
  • Any amendments to the Trust
  • The tax identification of the Trust. (We cannot use the deceased's Social Security Number.)
  • If the Trust is a Testamentary Trust we require a copy of the Probated Will and Letters Testamentary appointing the executor.
What if the beneficiary is a minor (under the age of majority)?

Every state has different requirements, which vary depending on the amount of the benefits payable.

  • The Claimant's Statement must be completed by the legal guardian/custodian of the minor's Estate.
  • A certified copy of the court appointment for the minor's estate is required.
  • The minor's personal Social Security Number must be provided.
What if the beneficiary is legally incompetent?
  • The Claimant's Statement must be completed by either the Power of Attorney (follow instructions for Power of Attorney under Frequently Asked Question #5) or the Legal Guardian/Conservator of the beneficiary.
  • A certified copy of the court-approved appointment must be submitted if there is a legal guardian/conservator.
  • The beneficiary's Social Security Number is required, not the personal representative's.
What if the beneficiaries name is different than the one listed on the beneficiary designation?

If the beneficiaries name has changed due to marriage, divorce, etc., include a copy of the legal document (marriage certificate, divorce decree, etc.) that documents the name change.

What if the beneficiary designation reads "Children" or a similar designation?
  • Distinctive Payee Arrangement form (PDF) is required.
  • A separate Claimant's Statement must be completed by each child listed on the Distinctive Payee Arrangement Form.
What if the beneficiary predeceased or postdeceased the insured prior to submitting the Claimant's Statement?
  • A copy of the Certified Death Certificate for that beneficiary is required.
  • Upon notification that a beneficiary has become deceased, we will review the contract and determine to whom the benefits are payable.
What if the beneficiary is a corporation or charitable organization?
  • A copy of the corporate resolution (or its equivalent) must be submitted indicating the representative is authorized to sign on behalf of the corporation or charitable organization.
  • The Claimant's Statement must be completed by a named representative in the corporate resolution.
  • The named representative must also complete and sign the  Distinctive Payee Arrangement form (PDF) .
  • The Tax Identification Number for the corporation or charitable organization is also required. (We cannot use the representative's Social Security Number.)
What if the beneficiary is a custodian for the benefit of the insured?
  • A copy of the corporate resolution (or its equivalent) must be submitted indicating the representative is authorized to sign on behalf of the corporation or charitable organization.
  • The Claimant's Statement must be completed by a named representative in the corporate resolution.
  • The named representative must also complete and sign the  Distinctive Payee Arrangement form (PDF) .
  • The Tax Identification Number for the corporation or charitable organization is also required. (We cannot use the representative's Social Security Number.)