Who can help an insured person file a long-term care claim, and the practical difference between a contact person, an attorney and a guardian.
A contact person is not necessarily a legal representative
An insured person can name a family member as a contact for updates, but that does not always allow that person to sign or take decisions on their behalf. Check what the form requires.
Where the insured person can sign
Complete the documents together, explain what is being sent and keep a record of consent. There is no need to seek a wide-ranging appointment simply to help organise documents.
Where the insured person cannot sign
An appropriate legal document may be required, such as a guardianship order or a relevant power of attorney that has come into effect. The insurance company sets out which documents it accepts.
- Do not sign in place of the insured person without authority
- Attach only the pages and confirmations that were requested
- Transfer documents through a secure channel
- Take legal advice in case of doubt
A family member present at the assessment
Even where the family member is not a legal representative, their presence may help in describing the routine, particularly where there is cognitive decline. Follow the rules of the assessing body and present factual information.
Frequently asked questions
Can we file a long-term care claim on a parent's behalf?
Yes, subject to the documents the insuring body requires. Where the parent can sign, complete the forms together and keep a record of consent. Where they cannot, a power of attorney that has come into effect or a guardianship order may be required.
What is the difference between a contact person, an attorney and a guardian?
A contact person receives updates but usually cannot sign or decide. An attorney acts under a document signed in advance that comes into effect on certain conditions. A guardian is appointed by order of a competent body.
Do we need guardianship just to help organise documents?
Usually not. Helping to gather and organise material does not require a wide-ranging appointment. The need for a legal document arises mainly where a signature or a decision on the insured person's behalf is required.
Is it permitted to sign on the insured person's behalf?
No, not without appropriate authority. Signing without authorisation may damage the claim and create further problems. Take legal advice in case of doubt.
What do we attach where there is a guardianship order?
Only the pages and confirmations required by the instructions, transferred through the secure channel the company specifies.
Official sources for further checking
This is general information and does not replace personal medical, legal or insurance advice. Eligibility is determined by the documents and rules that apply to each case.
