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I copied Verbatim.
No where is skilled nursing stated. His facility meets exact criteria and is licensed as
RCF. Thanks!!
You are amazing Mr Ed!
My father moved in March 29,2017. We just now received the denial letter.
I have filed complaints with
State of Indiana Department of Insurance
Attorney General
State Representative
GMA Investigates
Call Six for Help
My sister is scheduled to speak on TV !
The policy is a joint policy with his now -deceased wife. Purchased in Indiana , 1991.
Our loss currently is two months rent as he has met the waiting period thru use of his home health care benefit.
His policy covers: Nursing Home, Home Care, and Adult Day Care. All explicitly defined in the contract.
My sister and I are his legal POA.
We have submitted a facility au
I think a lot of people back in the day purchased "nursing home policies"......and that is all they cover. Common complaint when someone winds up in assisted living(ALF)
I remember when I was young (long ago) that when grandma and grandpa got sick, they went to the "nursing home". I tell my clients today that baby boomers want to stay home as long as possible, then maybe assisted living.......and only if things ever turn dreadful, maybe a nursing home when assisted living won't take you....someplace you hope you never go to.
Essentially all policies sold today are referred to as comprehensive LTC policies.....as the money they make available can be used for home care, ALF, and NH....not to mention a variety of in between options. Very few carriers offer plans that may limit to only HHC, or only facility care.
If the policy does not specifically define an assisted living community definition...which does NOT have 24 hour on site skilled care....then it creates the issue. Assisted living typically has a RN on site for 8-10 hours a day, then the rest of the time is no more than Med Cart, and babysitters, aka people whose instructions are to call 911 at the drop of a hat....aka, not a nursing home.
I think a lot of people back in the day purchased "nursing home policies"......and that is all they cover. Common complaint when someone winds up in assisted living(ALF)
I remember when I was young (long ago) that when grandma and grandpa got sick, they went to the "nursing home". I tell my clients today that baby boomers want to stay home as long as possible, then maybe assisted living.......and only if things ever turn dreadful, maybe a nursing home when assisted living won't take you....someplace you hope you never go to.
Essentially all policies sold today are referred to as comprehensive LTC policies.....as the money they make available can be used for home care, ALF, and NH....not to mention a variety of in between options. Very few carriers offer plans that may limit to only HHC, or only facility care.
If the policy does not specifically define an assisted living community definition...which does NOT have 24 hour on site skilled care....then it creates the issue. Assisted living typically has a RN on site for 8-10 hours a day, then the rest of the time is no more than Med Cart, and babysitters, aka people whose instructions are to call 911 at the drop of a hat....aka, not a nursing home.