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Benefits Manager
LTC Claims Explained -- What Employees Need to Know Before They Need Care
Watch Time: 2 Mins Reading Time: 3 Mins Presented by Hollowtree Updated April 27, 2026
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Long-term care benefits are one of the hardest benefits to communicate during open enrollment -- not because they're complicated, but because most employees don't think they'll ever need them. And by the time they do need them, they've often missed the window to enroll, don't know how to file a claim, or don't realize their coverage applies to their situation.
This briefing is for HR teams. It's about what you need to know so you can communicate LTC benefits effectively to employees before they need care.
The three most common LTC triggers are cognitive decline -- Alzheimer's and other forms of dementia -- stroke recovery, and progressive physical conditions like Parkinson's disease or advanced COPD. These three conditions account for the majority of LTC claims.
LTC benefits are typically triggered when a covered individual can no longer independently perform two of the six Activities of Daily Living: bathing, dressing, eating, toileting, transferring -- meaning moving from bed to chair -- and continence. A cognitive impairment that requires substantial supervision also qualifies under most plans.
The claims delay problem is real. Many employees and families don't recognize when a qualifying condition exists. They're managing a parent's care informally without realizing the LTC policy they're paying for would cover professional services that could reduce that burden significantly.
Hollowtree provides an employee-facing claims guide and an HR communication toolkit. The claims guide explains benefit triggers in plain language. The HR toolkit gives your team the talking points, FAQ responses, and enrollment communication templates to help employees understand their coverage before they need it.
Book a 15-minute briefing. We'll walk you through what employee-facing LTC communication looks like in practice.
About the Presenter
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Hollowtree
Insurance Specialists