Long-Term Care Insurance Claims Assistance

Insurance Provider Contact Information

Below you'll find general claims contact information for major long-term care insurance providers. We recommend having your policy number ready when contacting your insurance carrier.

Nationwide

• Claims Phone: 1-800-848-6331
• Hours: Monday - Friday, 8:00 AM - 8:00 PM ET
• Online Claims: www.nationwide.com/
• Email: ltcclaims@nationwide.com

Thrivent

• Claims Phone: 1-800-847-4836
• Hours: Monday - Friday, 7:00 AM - 6:00 PM CT
• Online Claims: www.thrivent.com/
• Email: claims@thrivent.com

Mutual of Omaha

• Claims Phone: 1-877-894-2478
• Hours: Monday - Friday, 7:00 AM - 5:30 PM CT
• Online Claims: www.mutualofomaha.com/
• Email: ltcservices@mutualofomaha.com

Aetna

• Claims Phone: 1-800-557-5078
• Hours: Monday - Friday, 8:00 AM - 8:00 PM ET
• Online Claims: www.aetna.com/
• Email: ltcclaimsinquiry@aetna.com

Securian Financial

• Claims Phone: 1-800-328-6124
• Hours: Monday - Friday, 7:00 AM - 5:00 PM CT
• Online Claims: www.securian.com/
• Email: ltcclaims@securian.com

Prudential

• Claims Phone: 1-800-732-0416
• Hours: Monday - Friday, 8:00 AM - 6:00 PM ET
• Online Claims: www.prudential.com/
• Email: ltcclaims@prudential.com

Lincoln Financial Group

• Claims Phone: 1-800-487-1485
• Hours: Monday - Friday, 8:00 AM - 6:00 PM ET
• Online Claims: www.lfg.com/
• Email: ltcclaimsdept@lfg.com

Brighthouse Financial

• Claims Phone: 1-800-777-9740
• Hours: Monday - Friday, 8:00 AM - 6:00 PM ET
• Online Claims: www.brighthousefinancial.com/claims
• Email: ltcclaims@brighthousefinancial.com

OneAmerica Financial

• Claims Phone: 1-800-275-5101
• Hours: Monday - Friday, 7:00 AM - 7:00 PM CT
• Online Claims: www.oneamerica.com/
• Email: ltcbenefits@oneamerica.com

NGL (National Guardian Life)

• Claims Phone: 1-888-505-2332
• Hours: Monday - Friday, 7:00 AM - 5:00 PM CT
• Online Claims: www.nglic.com/
• Email: ltcclaims@nglic.com

North American

• Claims Phone: 1-877-880-6367
• Hours: Monday - Friday, 7:30 AM - 5:00 PM CT
• Online Claims: www.northamericancompany.com/

Claims Process Tips

1. Notify your carrier as soon as you anticipate needing care

2. Have these documents ready:

   • Policy number
   • Medical documentation
   • Care provider information
   • Physician statements
   • Plan of care documentation

Note: Contact information is subject to change. Please verify current contact details on your policy documents or carrier website.

Common Claims Questions

When should I file a claim?

Contact your insurance carrier when:

• You need assistance with 2 or more Activities of Daily Living
• You've been diagnosed with a cognitive impairment
• Your doctor recommends long-term care services

What documentation is typically needed?

• Completed claim forms
• Physician's statement
• Assessment form
• Plan of care
• Provider documentation
• Proof of services received

How long does claims processing take?

Typical processing time is 30-60 days after receiving all required documentation. This can vary by carrier and complexity of claim.

Let us know if you need assistance with the claims process. Our experienced team can help guide you through each step.