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CHCA member receives program information
including CHCA LTC contact information via advertisement, letter,
seminar, or referral
from a friend, relative, or colleague.
-
CHCA member contacts a CHCA representative
at The Hirshorn Company or completes CHCA LTC Online Quote Request
form. Personal
discussion of Long Term Care needs identifies the best choice
of companies and programs.
-
CHCA member receives proposal from CHCA representative at The
Hirshorn Company.
-
CHCA member chooses coverage and options in discussion with
CHCA representative at The Hirshorn Company.
-
CHCA member completes and submits application to The Hirshorn
Company with check payable to the insurance company. Insurance
company receives application and check.
-
Insurance company representative calls CHCA member for a telephone
interview and in some cases arranges a face-to-face interview
appointment.
-
Insurance company requests additional information such as Attending
Physician Statements after CHCA member signs a form allowing
release of medical records.
-
Insurance company reviews application and additional information.
Insurance company approves CHCA member and issues policy, or,
company declines CHCA member due to health reasons.
-
CHCA member receives policy. CHCA member has 30 days to decide
if he or she will keep the policy. CHCA member returns policy
delivery receipt if accepting policy, or returns policy if he
or she no longer wants coverage.
