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NYTimes: "Until Medical Bills Do Us Part"
09-02-2009, 10:30 AM
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#1
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Recycles dryer sheets
Join Date: Oct 2007
Posts: 70
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NYTimes: "Until Medical Bills Do Us Part"
Check this out at:
http://www.nytimes.com/2009/08/30/op...%20part&st=cse
This article describes the financial and emotional impact on the healthy, ultimately surviving, spouse when debilitating illness strikes. Advice from the hospital social worker -- “Maybe you should divorce.”
I and glad that my wife and I have LTC insurance. I see it as protection for surviving spouse and as an estate planning tool. I wish my state of residence would adopt a LTC insurance partnership program.
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09-02-2009, 11:43 AM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 7,113
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Why didn't the writer contact their State Insurance Commissioner
My parents had LTC insurance, they paid without issue.
__________________
Duck bjorn.
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09-02-2009, 11:46 AM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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__________________
Numbers is hard
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09-02-2009, 11:50 AM
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#5
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Dryer sheet wannabe
Join Date: Dec 2006
Posts: 13
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If you click on "view comments" below the original article, you will see that the writer answers that question. His state Insurance Commissioner contacted the insurance co. 3 times; each time the response was that the case was "in process" or "under review" or some such phrase and the IC office claimed they could not proceed at that point. Read the comments for details.
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09-02-2009, 11:52 AM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Time for a new state commissioner...
__________________
Numbers is hard
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09-02-2009, 11:54 AM
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#7
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Dryer sheet wannabe
Join Date: Dec 2006
Posts: 13
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Here's the writer's response in the comments section:
I've written the state I.C.
They tell me that when they contact the insurer, the insurer says that the matter is "pending", so they (the I.C.) can't do anything because the claim hasn't actually been refused. The second and third times I wrote, I pointed out that it had been "pending" for months and that if there was a procedural problem (e.g., wrong form, missing documentation, whatever) that the insurer should have long since informed me so that I could address it. The I.C. gave the same response; return letters #2 and #3 were identical except for the date.
An additional complication is that -- as of now -- my power-of-attorney dissolves, since (to the best of my understanding, lawyers feel free to correct me) I can only hold power of attorney for someone who's alive. So it's not clear to me now that I actually have the legal standing to pursue the matter on his behalf.
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09-02-2009, 12:01 PM
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#8
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,021
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Brewer12345, what do you know about these guys?
Quote:
Banker's Life and Casualty.
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__________________
Numbers is hard
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09-02-2009, 12:01 PM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 7,113
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We have a TV news reporter with a "Get Jessee" feature. Our Insurance Commissioner is elected. There is no way this would be neglected for so long.
__________________
Duck bjorn.
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09-02-2009, 06:44 PM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Sep 2005
Posts: 5,381
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Quote:
Originally Posted by prubin
Advice from the hospital social worker -- “Maybe you should divorce.”
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Sad, but probably good financial advice.
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