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LORRIE, Provident [Chattanooga, TN] has been merged into Unum [Portland, ME] . I am not familiar with this specific policy, but would guess that the benefits start only after spending 90 days as a resident / inpatient in a nursing home - a stay prompted by more than custodial care only. Will Johnnston, CLU, CPCU A.P.D.A. DelMarVA Chapter Pres. 4049 Oakland School Road Salisbury MD 21804 USA 410-543-0110 ---------- From: Marilyn Olch <[log in to unmask]> To: [log in to unmask] Subject: advice for long term care ins claim? Date: Wednesday, August 25, 1999 5:33 AM Hi all, me again. I also have some questions about long term care insurance. He purchased a policy sponsored by AMA, underwritten by Provident before he was diagnosed. He chose all the 'better than average' options. In June we started looking into using it and have run into some problems...and I want to see my folks get some benefit from it soon...especially since things are moving so quickly. Problems are: There is a 90 day qualifying period that benefits are not paid during. It turns out this means 90 calender days(during a 12 month period) that he has home health care. We've had many home visits by OT's, PT's, visiting nurses, speech therapists, etc....but we are still at only 45 visits of this sort during the past 12 months. We need another 45 to get this policy started!! It seems like it should be 90 straight calender days...or something. What are we supposed to do? Check him into a nursing home for 45 days just to get the policy started up? Mom noted how it is stacked against a married person who plans to stay at home. Mom does all the caretaking and it doesn't count as days towards the 90...had he been single and hired someone he'd be there already. Any insurance savy people out there with any ideas....or willing to talk to Provident for us to make sure we've interpreted this correctly? 2) He had been seeing a movement disorder specialist frequently. If her visits were to count we would meet that 90 day period. She is a certified Feldenkrais practitioner...she's assisted with speech, movement of limbs, falling safely, getting up, etc. The insurance company wasn't familiar with Feldenkrais...and then came up with it doesn't qualify. But it sure seems like it should....any ideas here? Thanks again, Lorrie PT caregiver for Gerald 78/diagnosed at 71