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.

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. 

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 eligible 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.

• It begins on the first day that eligible 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.
   

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.
   

• You can authorize us to disclose policy information to another individual by completing and submitting the  Authorization for Disclosure of Information (PDF)  form.

Lincoln Concierge Care Coordination is available for all policyowners of a Lincoln life/long-term care combination product.

• 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. 

In order to certify the existence of the trust, the trustee(s) will need to complete the Certification Trustee Powers form (PDF) .

• 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.

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.

• 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.

• 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.

Initiate the change by submitting the Life Address Change form (PDF) .

• Recertification of claim is scheduled according to diagnosis and insured’s potential for recovery; required at least annually.

• Yes. Any time you change care providers, you will need to contact Lincoln at 800-487-1485.

• Yes. Any time your level of care changes, you will need to contact Lincoln at 800-487-1485.

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

800-487-1485, option 4
Mon-Fri 8:00 a.m.- 5:00 p.m. ET