How can I challenge the denial of an FLTCIP claim?
If the carrier, LTC Partners, determines that you are not eligible for benefits, the notice will provide the reason(s) for the denial and will let you know how to request a review, which must be filed within 60 days from the date of the denial. If the denial is upheld—an answer will be provided within 60 days after LTC Partners receives that request—you may appeal to an appeals committee.

If the appeals committee upholds the denial, its decision may be eligible for review by an independent third party. After you have gone through this administrative review process, you may seek judicial review of a final denial of eligibility for benefits or a claim.

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