Claims Process

Click through each step below to learn more about The Claims Process

3Initial Eligibility

What to expect?

  • Insured Eligibility

  • Provider Eligibility

  • Coverable Services

Your initial benefit eligibility is determined and will be communicated to you by Genworth.

If approved*, your claim will remain in this phase until payable under your policy terms, including without limitation:

  • Your Elimination Period has been met, if applicable.

  • Covered care services are received by you.

  • Invoices are submitted for Genworth's review.

1st: Initial Benefit Eligibility Review Process

  • Review assessment observations, certification decision and/or other available information for eligibility determination.

  • If applicable, review provider to see if they meet the requirements of the policy.

2nd: Initial Benefit Eligibility Determined

  • We will communicate our decision to you of whether you and your provider, if applicable, meet the eligibility requirements of your contract.

Next Step: Ongoing Eligibility

  • Invoices are reviewed for coverable services and then your claim is routed to Ongoing Eligibility Servicing Team.

What to expect from us?

  • If approved, Genworth will communicate your initial eligibility with you.

  • Once you and your provider have met your qualifications of policy or certificate for payment purposes, your claim will be moved to Ongoing Eligibility Servicing Team.

  • If our review determines that you or your provider are not eligible, we will inform you of this decision. You may consider filing a claim at a later time.

What do we expect of you?

  • Invoicing for any care provided including care notes, and ongoing medical records, as may be requested.

*not all claims will be approved

To manage your policy/certificate or claim online

Contact LTC Claims:
800.876.4582

Hours
Monday – Thursday:
8:30 AM – 6 PM ET,
Friday:
9 AM – 6 PM ET

Fax Number
Fax your documents to 888.557.5526

LTCI Claims Invoice Email ltcinvoices@ltc-claims.com

LTCI Document Review Email ltcdocuments@ltc-claims.com

USPS Mailing Address
Genworth Financial
Long Term Care Claims
P.O. Box 40007
Lynchburg, VA 24506

FedEx and UPS Mailing Address
Genworth Financial
Long Term Care Claims
3100 Albert Lankford Drive
Lynchburg, VA 24501

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206401E11C 02/09/26