The Essential Long-Term Care Insurance Benefits Handbook
This 28-page guide provides the fundamental knowledge you need to know before you or a loved one applies for long-term care insurance benefits.

What’s in the book?
In these pages, you’ll learn what’s needed to qualify for benefits, steps you can take to strengthen your claim, and ways to overcome common & nefarious insurance company tactics to deny you what is rightfully yours.
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About the Authors

Evan Schwartz
Evan Schwartz is a highly skilled litigator with more than 30 years of experience litigating insurance recovery claims and litigation, as well as complex federal and state litigation. Evan has expertly managed claims and lawsuits against insurance companies in courts nationwide, making insurance companies uphold their commitments to policyholders.
As the Founder and CEO of Schwartz, Conroy & Hack PC, Evan continues his proud tradition of representing disabled professionals in the filing and managing of their long term disability claims, getting their claims paid without filing lawsuits, and preventing insurance companies from stopping payments.

Michail Hack
Michail Hack is a seasoned insurance lawyer and litigator and ERISA practioner. has dedicated his 24 year-long career to battling long-term care, long-term disability, health and property insurance giants, securing justice for his clients through individual and class action lawsuits.
Not only is Michail a key member in the firm’s Insurance Litigation, Claims & Consulting Group but is Director of our disability claims management services group. He is widely respected and nationally known in the field of Disability Income and Long Term Disability Insurance.
Table of Contents
Introduction
Types of Long-Term Care Policies
What Do Long-Term Care Policies Pay For?
What Qualifications Must be Met to Receive Benefits?
Activities of Daily Living: Bathing
Activities of Daily Living: Eating
Activities of Daily Living: Dressing
Activities of Daily Living: Toileting
Activities of Daily Living: Caring for Incontinence
Activities of Daily Living: Transferring
Activities of Daily Living: Cognitive Impairment
What To Do Before Submitting Your Long-Term Care Claim
What Happens After You Submit Your Long-Term Care Claim?
Conclusion