Long-term care insuranceRules checked October 25, 2026
Long-term care claim denied? Start with the letter.
Upload the insurer’s letter. Within a day a person on our team tells you what it says, the deadline it gives, and the steps your state’s rules allow. Free.
Our service that writes long-term care appeals isn’t open yet. The reading and the guides are free now.
Checking your letter is free.
Check my letter01How it works
Upload the letter.
Free. We read every page and quote the deadline from the letter itself.
- A person checks
A person checks your state.
We show only steps from rules we’ve read in the state’s own text, with a link to each.
You get your route.
What the letter says, the deadline it gives and each step your state’s rules allow. We email you when it’s ready.
You send the appeal.
Our guides show what to answer and what to attach. Writing it for you isn’t open yet.
02If the insurer says no again: independent review in five states
- MTMontanaAsk within 120 calendar days of the insurer’s final answer, through the insurer. The insurer pays. The decision is final and binding on the insurer.
- AKAlaskaAsk within 180 calendar days of the insurer’s final answer, through the insurer. The decision is final and binding on the insurer.
- IAIowaAsk within 60 days of the insurer’s final answer, to the state’s insurance commissioner. The insurer pays. The decision is binding on the insurer.
- OROregonAsk within 120 calendar days of the insurer’s final answer, through the insurer. The insurer pays. The decision is final and binding on the insurer.
- PAPennsylvaniaAsk within 120 calendar days of the insurer’s final answer, through the insurer. The insurer pays. The decision can be appealed to a court.
Only for denials based on the benefit trigger (help with daily activities, or cognitive impairment), after the insurer’s own appeal. Other states may have a review too; we list only rules we’ve read in the state’s own text. Utah’s often-cited rule covered limited long-term care insurance and is listed as repealed.
03Writing the appeal for you
Not open yet. For long-term care claims we don’t yet write the appeal or send it for you. Reading the insurer’s letter, the route and the guides are free now.
Check my letter04Guides
- 01Denied a long-term care insurance claim? What to do nextRead the letter for the reason and the deadline, appeal to the insurer in writing, and know what comes after.
- 02Independent review of a long-term care benefit-trigger denial, state by stateIn five states we’ve checked, a benefit-trigger denial the insurer keeps can go to an independent reviewer. Deadlines, who pays, what it decides.
05Questions
Can you write the appeal for me?
Not yet. Our service that writes long-term care appeals isn’t open yet. For now we read the insurer’s letter, free, and show you the deadline and the steps your state’s rules allow. Our guides show what to answer and what to send with it.
Do you read letters from every state?
Yes, free. Where we’ve checked a state’s own rules, we show its deadlines and steps, with a link to each rule. Elsewhere we quote the deadline your letter gives.
What if the insurer says no again?
In Montana, Alaska, Iowa, Oregon and Pennsylvania, a benefit-trigger denial the insurer keeps can then go to an independent reviewer. Elsewhere you can complain to your state’s insurance department or talk to a lawyer.
Are you lawyers or public adjusters?
No. We read the letter and show the steps the state’s published rules allow, with a link to each. We don’t give legal or medical advice.
Who can appeal for my parent?
The insured person, or someone with standing to act for them. In Montana, Alaska, Oregon and Pennsylvania that is someone they’ve given written consent to, someone authorized by law, or a family member when they can’t give consent. Ask the insurer whether it wants its own form.