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-- Ken Goodrich 5800 Forest Hills Blvd. Apt.A-109 Columbus,Ohio 43231 614-895-0506 "Nothing is more terrifying than ignorance in action" -- Goethe "Civilization is a race between education and catastrophe" -- H. G. Wells "Taxes are the price we pay for civilization" -- Oliver Wendel Holmes ---------- >From: will johnston <[log in to unmask]> >To: [log in to unmask] >Subject: Re: advice for long term care ins claim? >Date: Wed, Aug 25, 1999, 10:38 AM > > 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 >