Claims & Care Management

Crucial aspects of long term care insurance include evaluating a policyholder’s eligibility for a claim and managing their care once eligible. Not only must the assessment of the individual be accurate, comprehensive and objective, policies can also have subtle nuances and varying definitions of claim guidelines.

Univita has developed a sophisticated, highly effective process to ensure claims are handled accurately, objectively and quickly. We’re experts in assessing unique situations and evaluating eligibility for benefits under the terms of each insurance product. We develop comprehensive plans of care to meet all verified needs—working in partnership with individuals and families to find appropriate care in the least restrictive setting while focusing on maintaining and improving patient independence. Our care managers are experienced in geriatrics and have an in-depth understanding of how to best serve the disabled, both in the general population and the elderly. Once eligibility has been established and care plans are in place, benefit payments are determined promptly in accordance with the policy and the approved plan of care.

Because many long term care insurance claimants fully or substantially recover their independence, we’re dedicated to the eligibility reassessment process. For claimants who recover some but not all of their independence, and for those with needs that increase over time, our staff works to ensure that plans of care remain responsive to changes in their conditions.

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