Why Should I Hire a Professional?

Hay razones para contratar a un profesional que le ayude con las reclamaciones de su seguro de dependencia. Una razón importante es la posibilidad de hacer backfiling, que resulta confuso para la mayoría de los asegurados y sus familias.

¿Qué es exactamente el backfiling?

La solicitud retroactiva se produce cuando un asegurado pretende que se le abone una indemnización con carácter retroactivo, hasta el momento en que cumplió los requisitos para recibir las prestaciones de la póliza y comenzó a recibir asistencia en un centro cubierto.

Por supuesto, las normas varían según la compañía de seguros; algunas permiten el backfiling hasta un año, mientras que otras sólo permiten el backfiling entre 3 y 6 meses.

Para entender el backfiling de una forma más personal, Jessica Patterson, supervisora de siniestros de ClaimJockey, LLC nos cuenta una historia.

“We helped a client who had been in and out of Skilled Nursing and Assisted Living Facilities for a couple of years. The family had attempted to file a claim at one point, but, with all of the non-stop health issues as well as the personal responsibilities of the daughter, the long term care insurance claim fell through the cracks.

Although the policyholder had received care in five different care communities, the family said they had no one to help them through the claims process – so they had given up! When they found ClaimJockey, they were relieved. However, it hadn’t occurred to them that they might recover money they had paid out over the last couple years.

To make matters worse, the policyholder was on the verge of being evicted from the facility because the family had run out of money! ClaimJockey was able to backfile for a full year on behalf of this family, and here’s what happened: the elimination period was satisfied, and the family received 2 checks totaling $46,000! Of this amount, $17,000 was for a refund of premium that had been paid when the claimant was actually eligible to have her premium waived.”

"Es una forma de devolver a quienes han pagado primas durante años. Se trata de beneficios que ponemos en su conocimiento, y que luego retrocedemos para poner los dólares de los beneficios en la cartera de nuestros clientes."

Our team of New York estate planning attorneys, elder law attorneys, and special needs attorneys use our knowledge and experience to answer your questions. We promise to answer any question with a straight answer.

If you still have questions about backfiling, please do not hesitate to contact our office at 1 (800) 680-1717. We look forward to the opportunity to work with you.

Disclaimer: The information provided above is for general informational purposes only and is not legal advice.