{"id":17228,"date":"2025-06-03T08:00:03","date_gmt":"2025-06-03T08:00:03","guid":{"rendered":"https:\/\/alwaysbestcare.com\/denver\/?p=17228"},"modified":"2025-07-22T17:49:51","modified_gmt":"2025-07-22T17:49:51","slug":"filing-long-term-insurance-claim","status":"publish","type":"post","link":"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/","title":{"rendered":"Filing a Long-Term Care Insurance Claim in Denver: Step-by-Step Process"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you&#8217;re navigating the world of <a href=\"https:\/\/alwaysbestcare.com\/denver\/long-term-care-insurance-support\/\" target=\"_blank\" rel=\"noreferrer noopener\">long-term care insurance<\/a>, chances are you&#8217;ve already got a lot on your plate. Whether you&#8217;re helping a loved one or managing your own care, filing a claim can feel overwhelming at first.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#8217;t worry; once you understand the steps, the process becomes much more manageable. If you\u2019re based in Colorado and searching for long-term care near you, this guide is tailored for you.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"How to File a Long-Term Care Insurance Claim in Denver | Step-by-Step Process\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/VGo4e9Ec2X4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_36 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><label for=\"item\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input type=\"checkbox\" id=\"item\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#The_Basics_of_Long-Term_Care_Insurance_Claims\" title=\"The Basics of Long-Term Care Insurance Claims\">The Basics of Long-Term Care Insurance Claims<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_1_Confirm_Your_Eligibility\" title=\"Step 1: Confirm Your Eligibility\">Step 1: Confirm Your Eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_2_Notify_Your_Insurance_Provider\" title=\"Step 2: Notify Your Insurance Provider\">Step 2: Notify Your Insurance Provider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_3_Complete_the_Claim_Packet\" title=\"Step 3: Complete the Claim Packet\">Step 3: Complete the Claim Packet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_4_Gather_and_Submit_Supporting_Documentation\" title=\"Step 4: Gather and Submit Supporting Documentation\">Step 4: Gather and Submit Supporting Documentation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_5_Prepare_for_a_Phone_Interview\" title=\"Step 5: Prepare for a Phone Interview\">Step 5: Prepare for a Phone Interview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_6_Wait_for_the_Claim_Review_and_Decision\" title=\"Step 6: Wait for the Claim Review and Decision\">Step 6: Wait for the Claim Review and Decision<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Step_7_Ongoing_Claim_Management\" title=\"Step 7: Ongoing Claim Management\">Step 7: Ongoing Claim Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/filing-long-term-insurance-claim\/#Let_Always_Best_Care_Assist_with_the_Long-Term_Care_Insurance_Claim_Process\" title=\"Let Always Best Care Assist with the Long-Term Care Insurance Claim Process!\">Let Always Best Care Assist with the Long-Term Care Insurance Claim Process!<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Basics_of_Long-Term_Care_Insurance_Claims\"><\/span>The Basics of Long-Term Care Insurance Claims<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Long-term care insurance is designed to help cover services that support daily assistance, like help with bathing, dressing, and mobility, when aging, injury, or illness make these tasks more difficult.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Policies vary, but most include benefits for <a href=\"https:\/\/alwaysbestcare.com\/denver\/in-home-care\/\" target=\"_blank\" rel=\"noreferrer noopener\">in-home care<\/a>, nursing homes, assisted living facilities, and more. Understanding your <a href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/long-term-care-insurance-costs-denver\/\" target=\"_blank\" rel=\"noreferrer noopener\">insurance plan&#8217;s costs<\/a>, unique coverage and limitations is key to a successful claim.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"569\" src=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/221-1024x569.jpg\" alt=\"A female caregiver showing a tablet screen to an elderly couple sitting on a couch, both smiling and attentively looking at the device. The setting appears bright and comfortable, with a green outdoor background visible through the window.\" class=\"wp-image-17229\" srcset=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/221-1024x569.jpg 1024w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/221-300x167.jpg 300w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/221-768x427.jpg 768w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/221.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">When to File: Recognizing a Benefits Trigger<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most essential parts of activating your long-term care insurance benefits is understanding the \u201cbenefit trigger.\u201d This is the point at which your insurance company determines that care is medically necessary, and it&#8217;s also the green light for you to begin the claim process. Knowing when you\u2019ve met this requirement can prevent delays and frustration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most policies only kick in when the policyholder requires assistance with a specific level of daily care. Insurers generally rely on two main criteria:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Assistance with Activities of Daily Living (ADLs)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">To qualify for benefits, most policies require that the person receiving care needs help with at least two of six standard ADLs. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bathing<\/strong>: Needing help getting in and out of a tub or shower, or completing the washing process safely.<\/li>\n\n\n\n<li><strong>Dressing<\/strong>: Assistance with selecting appropriate clothing and putting it on.<\/li>\n\n\n\n<li><strong>Toileting<\/strong>: Help with using the bathroom or managing incontinence.<\/li>\n\n\n\n<li><strong>Transferring<\/strong>: Needing support moving in and out of bed or a chair.<\/li>\n\n\n\n<li><strong>Continence<\/strong>: Being unable to control bladder or bowel functions.<br><strong>Eating<\/strong>: Needing help with feeding oneself, whether due to mobility or coordination issues.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If your loved one struggles with two or more of these tasks daily, it\u2019s a good sign that they meet the trigger requirement for long-term care coverage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Cognitive Impairment<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Another benefit trigger that insurance companies recognize is cognitive decline. This includes conditions like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Alzheimer\u2019s disease.<\/strong><\/li>\n\n\n\n<li><strong>Dementia.<\/strong><\/li>\n\n\n\n<li><strong>Parkinson&#8217;s-related memory loss.<\/strong><\/li>\n\n\n\n<li><strong>Stroke-related cognitive damage.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even if the person remains physically independent, significant memory issues or confusion that compromise safety, such as forgetting to turn off the stove, wandering, or failing to recognize familiar people, often meet the policy\u2019s definition of a cognitive impairment trigger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your insurer may require a formal assessment by a doctor or nurse, and in many cases, their own evaluator may be assigned to verify the need for care.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Meeting the Elimination Period Requirement<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before your policy begins paying out, there\u2019s usually an elimination period\u2014a waiting window that can range from 30 to 90 days. You\u2019ll need to receive qualifying care before reimbursement begins. Think of it like a deductible, but counted in days rather than dollars.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"569\" src=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/222-1024x569.jpg\" alt=\"An elderly man and woman sitting indoors at a table, sharing a joyful moment while reviewing paperwork with a female caregiver. The couple looks happy and engaged, and the caregiver is handing them documents.\" class=\"wp-image-17230\" srcset=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/222-1024x569.jpg 1024w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/222-300x167.jpg 300w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/222-768x427.jpg 768w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/222.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Confirm_Your_Eligibility\"><\/span>Step 1: Confirm Your Eligibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Start by reviewing your policy\u2019s terms. Are the services you&#8217;re receiving covered? Does the provider meet policy requirements? Have benefit triggers been met? Eligibility hinges on these answers, so it\u2019s smart to get clear on the details before taking the next step.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Notify_Your_Insurance_Provider\"><\/span>Step 2: Notify Your Insurance Provider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you\u2019re confident you&#8217;re eligible, call your insurance company. Let them know you intend to file a claim. They\u2019ll walk you through what comes next and send you a claim packet with instructions and necessary forms. Be ready with the policy number and some basic information about the care being provided.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Complete_the_Claim_Packet\"><\/span>Step 3: Complete the Claim Packet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your claim packet may seem intimidating, but it\u2019s actually quite straightforward once you break it down. Most insurers require the following:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Key Forms You\u2019ll Need to Submit<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Policyholder Statement<\/strong><strong><br><\/strong>A basic summary of your condition, care needs, and provider details.<\/li>\n\n\n\n<li><strong>Attending Physician Statement<\/strong><strong><br><\/strong>A doctor\u2019s written confirmation of your diagnosis and need for long-term care.<\/li>\n\n\n\n<li><strong>Care Plan and Nursing Assessment<\/strong><strong><br><\/strong>A formal care plan, developed by a nurse or case manager, outlines the level and type of care required.<\/li>\n\n\n\n<li><strong>Provider Credentials<\/strong><strong><br><\/strong>Proof that your chosen care provider\u2014whether it\u2019s a facility or an agency\u2014meets the standards outlined in your policy.<\/li>\n\n\n\n<li><strong>HIPAA Authorization<\/strong><strong><br><\/strong>This form permits the insurance company to contact your doctors and care providers for additional information.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Gather_and_Submit_Supporting_Documentation\"><\/span>Step 4: Gather and Submit Supporting Documentation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to the forms, gather care notes, invoices, schedules, and any evaluations related to your current condition. These documents help paint a complete picture and can speed up the claim approval process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Prepare_for_a_Phone_Interview\"><\/span>Step 5: Prepare for a Phone Interview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most insurance companies will follow up with a call to verify the information and clarify anything they need. It\u2019s helpful to have a <a href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/caregiver-benefits\/\" target=\"_blank\" rel=\"noreferrer noopener\">caregiver<\/a>, family member, or care manager on the line to provide support and accurate responses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_6_Wait_for_the_Claim_Review_and_Decision\"><\/span>Step 6: Wait for the Claim Review and Decision<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is the part where patience comes in. Review times vary, but you should hear back within a few weeks. The insurer will either approve, deny, or request more documentation. Stay in touch and keep records of all communication.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_7_Ongoing_Claim_Management\"><\/span>Step 7: Ongoing Claim Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once your claim is approved, there may be ongoing paperwork\u2014monthly invoices, care summaries, or periodic recertifications. Staying organized can make future payments smoother and avoid interruptions in care.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"569\" src=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/224-1024x569.jpg\" alt=\"An elderly couple sitting close together at a kitchen table, focused on calculating or reviewing bills and paperwork, conveying a sense of partnership and mutual support in managing finances or care.\" class=\"wp-image-17232\" srcset=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/224-1024x569.jpg 1024w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/224-300x167.jpg 300w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/224-768x427.jpg 768w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/224.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ About Long-Term Care Insurance Claims<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">How do I know if I qualify for long-term care benefits?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">You typically qualify if you need help with at least two Activities of Daily Living or have cognitive decline. Check your policy for exact requirements.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How long does it take to get approved?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Most claims take 30\u201345 days to process, depending on how quickly paperwork is submitted and reviewed.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does long-term care insurance cover in-home care?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, many policies cover <a href=\"https:\/\/alwaysbestcare.com\/denver\/resources\/senior-care-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">senior home care<\/a> as part of long-term care near me services. Always review your policy to confirm.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Can a care agency help me with the claim process?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes! Agencies like Always Best Care in Denver can walk you through the steps and help gather everything you need for submission.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Filing a long-term care insurance claim doesn\u2019t have to be a headache. With a little prep and the right support, you can unlock the benefits you&#8217;ve paid for and give your loved ones the quality care they deserve.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"569\" src=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/225-1024x569.jpg\" alt=\"Two younger women sitting with an elderly woman in a cozy living room. The elderly woman is smiling warmly as the women engage with her, providing companionship and care in a bright, welcoming home environment.\" class=\"wp-image-17233\" srcset=\"https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/225-1024x569.jpg 1024w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/225-300x167.jpg 300w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/225-768x427.jpg 768w, https:\/\/alwaysbestcare.com\/denver\/wp-content\/uploads\/sites\/133\/2025\/06\/225.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Let_Always_Best_Care_Assist_with_the_Long-Term_Care_Insurance_Claim_Process\"><\/span>Let Always Best Care Assist with the Long-Term Care Insurance Claim Process!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Need a hand with the paperwork? If you&#8217;re seeking long-term care in Denver and need help navigating your insurance claim, Always Best Care is here to support you. They not only provide compassionate care but also help families understand the ins and outs of their long-term care coverage. From documentation to ongoing support, their team is just a call away.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/alwaysbestcare.com\/denver\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contact Always Best Care of Denver<\/a> at <a href=\"tel:(303) 952-3060\" target=\"_blank\" rel=\"noreferrer noopener\">(303) 952-3060<\/a> to learn more and schedule your free consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn the step-by-step process for filing a long-term care insurance claim in Denver to ensure a smooth experience and secure the benefits you\u2019re entitled to.<\/p>\n","protected":false},"author":19,"featured_media":17231,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[163],"tags":[573,574,575,576,577],"class_list":["post-17228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-home-care-services"],"acf":{"background_image_blog_posts":""},"_links":{"self":[{"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/posts\/17228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/comments?post=17228"}],"version-history":[{"count":3,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/posts\/17228\/revisions"}],"predecessor-version":[{"id":17364,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/posts\/17228\/revisions\/17364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/media\/17231"}],"wp:attachment":[{"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/media?parent=17228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/categories?post=17228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alwaysbestcare.com\/denver\/wp-json\/wp\/v2\/tags?post=17228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}