Don’t give up on first try - maybe it isn’t really true, bu I feel like the first answer is always no. always ask to speak to a supervisor, put everything in writing and document all interactions. Read the policy. Ask for re eval. I go back to my prior post: Typically coverage is based on inability to perform AT LEAST 2 activities of daily living. your parent may have said … “I don’t need hep going to the bathroom or Getting dressed” because they want to be independent - but they actually may need that help in order to do it safely, and when have the interview with evaluator make sure you are there too. Just because you are in assisted living facility doesn’t automatically provide coverage.My MIL paid Genworth 30 years of premiums. 6 months ago we had to put her in an assisted living facility.Genworth refused to pay the claim because the facility did not meet their requirements. After this experience, my wife and I decided to self fund our LTC.
If meet criteria of coverage and still not getting claim acceptance then threaten to appeal / complain to state commissioners office.
To those who think LTC will make things easier…not my experience. So yes, I am saving the premium and self funding to save my kids the hassle. Plus if end up needing, my medical can get paid using tax def IRA funds, and taking a big tax deduction in itemized…
Good luck
Statistics: Posted by Coastfical — Mon Apr 22, 2024 5:26 pm — Replies 131 — Views 11312