Long Term Care Insurance Reminder

An important reminder for holders of long term care insurance policies: 

Make copies of all original long term care insurance policies, applications and marketing materials. Store and keep these policies and materials in a safe place.  

The experienced insurance attorneys at the Law Offices of Sean K. Collins, were shocked to learn that various state departments of insurance have destroyed the original policy form filings – leaving only the insurance company to maintain copies of the original policy forms. With modern scanning capabilities, it is inconceivable that a department of insurance would not maintain copies of long term care insurance policy forms that are still in force and apply to thousands of policyholders in their respective states – yet this is precisely what they are doing. 

We have also seen insurance companies provide “duplicate” versions of long term care insurance policies that are not in fact true duplicates of the original policy. Do not rely on your carrier to keep a copy of the original policy.

We highly encourage you to contact your local state department of insurance and ask if they maintain copies of all in-force long term care insurance policy form filings. If they do not, demand that they change this document destruction practice. 

If you or someone you care for is in need of assistance with filing a claim, appealing a claim denial, or pursuing litigation against your long term care insurance company, please contact the Law Offices of Sean K. Collins to speak with an experienced attorney today. We provide initial consultations free of charge. Please call: 855-693-9256.