Benefit-trigger documentation
Physician's certification of ADL impairment or cognitive impairment, care plan, and any required waiting-period proof — all matched to the policy's specific trigger language.
The most rigorous LTCi claims administration service a family can hire.
ClaimKeeper assembles a documentation-complete benefit-eligibility package and every monthly reimbursement submission — policy-contract-ingested, carrier-rule-matched, and specialist-reviewed — so the family never becomes an unpaid insurance clerk.
Policy-contract ingestion & carrier-rule matchingBenefit-trigger documentation packageMonthly reimbursement submissions in carrier formatSpecialist review on every submission5-business-day SLA
Why claims stall
A single missing invoice or wrong form can delay a month's reimbursement.
A long-term care insurance claim is not a one-time event — it is a recurring administrative relationship spanning dozens of monthly reimbursement cycles. The average LTCi claim lasts 2.7 years, and carriers like John Hancock require biweekly, monthly, or weekly submissions with itemized invoices, proof of payment, and fully completed claim forms. Miss a document or use the wrong format, and the carrier can delay or deny reimbursement.
Family caregivers — already providing unpaid care — are the ones assembling this paperwork. 70% report work-related difficulties because of caregiving duties. The carrier's own 'care coordination' benefit is staffed by nurses paid by the same company deciding whether to pay the claim. Independent help is either hourly consulting ($150/consultation) or contingency-fee legal representation that only engages after a denial.
ClaimKeeper exists to close that gap with a single, exhaustive standard applied identically to every claim.
70%
of family caregivers report work difficulties due to caregiving duties
The benchmark
Measured against the policy contract and each carrier's specific submission rules.
We do not guess what a carrier requires. Every submission is built against the exact policy contract and the carrier's published claim forms and guidelines. These are the elements each pack is held to.
Carrier-specific formatting
Every submission uses the exact claim form and format each carrier requires — John Hancock, Lincoln, Genworth, and 40+ others — no generic templates.
Itemized invoices & proof of payment
Caregiver/facility invoices, cancelled checks, Zelle/Venmo screenshots, or equivalent — reconciled to the penny and attached in the order the carrier expects.
Recurring monthly recertification
Each month's submission includes updated care logs, proof of ongoing eligibility, and any carrier-specific recertification forms — filed on schedule.
Carrier correspondence log
Every submission, acknowledgment, and carrier response is logged with dates and reference numbers, creating an auditable chain.
Denial escalation path
If a claim is denied, the pack includes a referral to an independently engaged elder-law/ERISA attorney — ClaimKeeper never adjusts or negotiates.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Policy & intake Gap Scan
Upload the policy contract, claimant info, and care provider details. We return a free completeness read: which documents and carrier forms you already have, and which are missing.
02
Policy ingestion & carrier matching
As your authorized clerical agent, we ingest the policy contract and match it to the specific carrier's claim forms and submission rules — building a rule pack for that carrier.
03
Benefit-trigger drafting
The benefit-eligibility documentation is drafted from the physician's records and care plan into the carrier's required format — no legal opinions, no invented facts.
04
Deterministic completeness gates
Every required field is checked against the carrier's form; invoices reconcile to proof of payment; the submission deadline is verified; any missing document blocks release.
05
Specialist release
A credentialed claims specialist reviews the exception queue and signs the release. High-value or complex claims route to attorney review first.
06
Delivery & recurring schedule
You receive the pack: benefit-trigger package, monthly reimbursement submissions, carrier correspondence log, and a recurring calendar for each month's submission — ready for the family to submit under its own name.
The bar we hold
Rigor you can measure.
100%
Specialist-reviewed
No submission ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Rejection-rate target
Tracked against carrier acceptance data.
40+
Carrier rule packs
John Hancock, Lincoln, Genworth, and more — every applicable carrier.
Why ClaimKeeper
Built to be the most thorough option a family has.
Documentation-complete, by design
The deliverable is completeness itself — every carrier-required element accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a carrier's form requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never adjust, negotiate, or advise on whether to accept a settlement, and we refer every denial appeal to an independently engaged attorney.
Engagement
Flat fee, per submission. No hourly billing, ever.
Simple, predictable, and aligned with a documentation standard — not a percentage of any benefit.
- A free Policy & Intake Gap Scan before you commit — see exactly what is missing.
- One flat claim-opening fee plus a monthly per-active-claim maintenance retainer; disclosed pass-through costs for records retrieval.
- Optional fixed-fee attorney review for complex or high-value claims.
- No contingency and no percentage of any recovered benefit or sale proceeds.
FAQ
Questions, answered precisely.
Is ClaimKeeper a law firm?
No. ClaimKeeper, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for denied or complex claims.
Do you contact the insurance carrier or negotiate the claim?
Never. ClaimKeeper is not a claims adjuster and does not contact carriers or negotiate settlements. The family or their advisor remains the claimant and the party responsible for submitting all documentation.
What makes a submission 'complete'?
Completeness is defined by the carrier's specific claim form and guidelines: all required fields filled, invoices reconciled to proof of payment, physician certification attached, and any carrier-specific recertification forms included. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-reviewed submission. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat claim-opening fee plus a monthly per-active-claim maintenance retainer. No hourly billing and no percentage of any benefit amount.
See what's missing before it delays a reimbursement.
Start with a free Policy & Intake Gap Scan. Send the policy contract and claimant details and we'll return a completeness read against the carrier's specific requirements.
Documentation-completeness service · not legal advice · the family submits every form.