Direct answer
Yes, you can appeal a denial by providing additional medical records or a physician’s statement that specifically demonstrates how the claimant meets the policy’s defined requirements for activities of daily living (ADLs) assistance.
National Association of Insurance Commissioners (NAIC) guidelines for long-term care claim appeals. For additional information about the regulatory framework governing these appeals, see the National Association of Insurance Commissioners (NAIC) website.
What this means for you
Yes, you can appeal a denial by providing additional medical records or a physician’s statement that specifically demonstrates how the claimant meets the policy’s defined requirements for activities of daily living (ADLs) assistance.
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