MassMutual Long-Term Care Claims — Including Davies-Administered Policies

Many long-term care policies are serviced by third-party administrators rather than the insurer on the letterhead — MassMutual policies, for example, are commonly administered by Davies Life & Health. It changes where documentation goes and who reviews it. If you're not sure who actually holds your policy, send us any policy document or statement and we'll identify it for you — free, as part of your policy review.

Often, yes. Most denials come down to documentation — incomplete ADL evidence, missing clinical records, or forms that don't match the carrier's format. We review the denial letter, rebuild the clinical record through our RN-verified documentation, and resubmit correctly. Bring us the denial; we'll tell you honestly whether it can be rescued.

No. Care begins when your loved one needs it — often within 6–12 hours of your call — and the claims process runs alongside it. You're never choosing between starting care and starting paperwork; we do both at once.

Nothing. Policy review, claim preparation, filing, and tracking are included in our care — never a separate fee, never billable hours. It's part of how we serve our families, and it's why over 98% of our clients' claims are successfully reimbursed.