My mother is paying $829.02 per month for long term care ins. We have received two reimbursement checks to date. One in the amount of $414 the other $1926. We have been submitting claims weekly. We began a 24 hour live in care giver October 1st. Prior to that, we had a 4hour per day, seven day a week care giver. I am told that the only way to make sure claim forms are received is to call within 24 hours after they are sent. Each time I call, I get a different person and different information. I have resubmitted all claims at least three to four times each, and we still are not on the same page. Our savings is depleted, and we were told after 90 days the premium would be waived. This has still yet to happen. We are in a dire situation. I spoke to a manager at the Laguna Hills Ca office, who was kind enough to check on things for me. I did what he advised, resent all missing claims. Still there are some Bankers claim are missing. And our dates of service do not match. I see there are many other complaints about this company. My mother has been paying into this for over 20 years, and only has $87,000 available, which is hers to utilize as needed. What can we do to find some resolve and get straight answers. The claim forms they require are three total and very tedious to fill out.
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