Does anyone have experience with long-term health care insurance? I have a friend who had to put her husband who has dementia and other health issues into an assisted living facility. She was certain that insurance they have been paying for, for years, would cover the costs. They have denied her claim. Apparently they conducted an "interview" on the phone with her husband. He said he was fine, etc. etc. Having dealt with dementia in my mother-in-law, I can imagine such a scenario. Every time we took her to the doctor, "Oh, everything is fine." We then corrected everything she said. I wish I could offer some advice to my friend. She said she has hired a lawyer, but he does not return her calls. And the assisted-living facility is no help either. She confided in me that she could pay for one more month of the facility and then her savings are gone. At that point, she would have to bring her husband home. She and her daughter had tried to take care of him for a long time before she moved him. They had two beds in the dining room instead of dining furniture. I wondered how long she could do this because she finally (after years of misery) was diagnosed with granulomatosis with polyangiitis. (I might have misspelled that.) She is wiped out after her chemo sessions and her daughter just had surgery and is asking her place of employment for half-time status. My friend told me she is teetering on the brink of despair. Supposedly, the insurance company is reviewing her claim. I am extremely worried about my friend and her husband, too. He refused to sign up for the vaccine.
I am asking for any suggestions/advice I can give her. Thank you, John Bishop for your instructions on how to post. I hope I did this correctly. Thanks to anyone for can point me/her in the right direction. It just seems so wrong not to pay out when the help is so needed. @joybringer1