harllee
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
DM, age 90, has dementia, congestive heart failure, and has had several falls. She is in a CCRC, has been in independent living, recently moved to assisted living but doctor says she needs more help, will probably need to go to skilled nursing or memory care. DM is having difficulty with activities of daily living (needs help showering, going to bathroom, etc). I am her POA, my sister is her HCPOA. She has a long term care insurance policy that she has had many years (and has paid more in premiums that she can ever get in benefits). The policy is with MetLife (was with Prudential but MetLife took the policy over many years ago). I have begun the claims process with the assistance of the CCRC but we are getting the run around. First they claimed they could not find a policy on DM. I had to FAX (who faxes anymore), copy of policy, proof of premium payment (they debit it every month!) They needed copies of my POA by FAX, claim they never received, having to send again. Then they need many doctors records, they claim they never received, doctor has to send again at my cost.
I think they are delaying because they do not want to pay and hoping I will give up, nope that is not going to happen. I have spent many hours on this over the last couple of months.
Anyone here had any experience dealing with MetLife LTCI claims? Does anyone know of any attorneys or advocates that specialize in LTCI claims? I have gotten a couple of attorney's names from mother's CCRC so I will pursue those but it will be expensive.
Mother's CCRC says this is typical of all LTCI companies, the do anything they can to avoid paying claims.
I think they are delaying because they do not want to pay and hoping I will give up, nope that is not going to happen. I have spent many hours on this over the last couple of months.
Anyone here had any experience dealing with MetLife LTCI claims? Does anyone know of any attorneys or advocates that specialize in LTCI claims? I have gotten a couple of attorney's names from mother's CCRC so I will pursue those but it will be expensive.
Mother's CCRC says this is typical of all LTCI companies, the do anything they can to avoid paying claims.