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Topic: Bad Faith: Insurance claims
a nightmare for elderly |
Bad Faith: Insurance claims
a nightmare for elderly
Post & Courier [Charleston, SC], by Tony Bartelme
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Original Article
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Posted By:Attercliffe, 10/21/2012 10:06:53 AM
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| Mattie Jewel Poston’s story begins with a gray file box. For in-depth reports on insurance rates, the risks of being hit by a hurricane and other stories, visit post andcourier.com/storm-of-money.[Snip] Stored inside are folders with receipts and bills that Mattie’s husband, Herman, kept for years: bills for burial insurance, receipts for the long-term care insurance he took out in case they couldn’t take care of each other. “He carried that box everywhere we went,” Poston said one afternoon, sitting in a wheelchair in Heartland’s nursing home in West Ashley. “Insurance was a must; it was so important.”
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Comments:
You probably don't want to read this but do it anyway. If nothing else, it will keep you from using the insurance company named in the article.
Very, very scary.
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Reply 1 - Posted by:
herder elwood, 10/21/2012 10:18:29 AM (No. 8949872)
....having a 92 year old Mom with a bankers life LTC policy, I can agree with the poster 100%.....you can just hardly believe what they do.....
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Reply 2 - Posted by:
fleetusa, 10/21/2012 10:57:19 AM (No. 8949970)
Very interesting. Generally I don't like this insurance product because of all the hurdles necessary for collection + the cost.
It is interesting that this woman had Alzheimer's and must have been about 90 but they still operated for colon cancer. What a pain.
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Reply 3 - Posted by:
JHHolliday, 10/21/2012 11:16:33 AM (No. 8950011)
As a retired insurance agent I can tell you that among agents, Bankers had a lousy reputation. Be very careful who you buy LTC coverage from.
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Reply 4 - Posted by:
philly_patriot, 10/21/2012 11:19:38 AM (No. 8950019)
Frightening article ..... just as million's of Baby Boomers are buying or have paid for long term insurance.
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Reply 5 - Posted by:
ColonialAmerican1623, 10/21/2012 12:28:03 PM (No. 8950195)
No No No. Her policy was her contract and it states the terms of the policy and what she was to receive. Exclusions says what they won't pay. If they failed the contract, they should have refunded every payment.
Always contact the insurance commissioner of your state if there is a problem.
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Reply 6 - Posted by:
beancounter, 10/21/2012 1:15:19 PM (No. 8950311)
The caregiver for my father, who's 90, was telling him he planned for everything except long term care because he doesn't have long term care insurance. What he does have is about $600,000 in investments, which should last him 6-10 years. If that's gone we can sell his house. That's probably better than insurance unless he lives to be 110.
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Reply 7 - Posted by:
Maybeth, 10/21/2012 1:42:09 PM (No. 8950370)
One cannot help but relate this story to John Grisham's book, 'The Rainmaker,' which can also be seen on DVD. The insurance company 'victim' in Grisham's tale is not a senior citizen, but the scandal/scam is the same.
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Reply 8 - Posted by:
Brittany, 10/21/2012 1:50:33 PM (No. 8950397)
I understand the unfairness of the insurer but let this be a warning to you. Our county medicare help went through a like problem with a Medigap insurer and worked with the state help agency to correct it. But many of the county groups were not proactive like ours.
The state insurance agency in this case should have been on this years ago in a similar manner. Save this article and go to your state rep to ensure that the state insurance agencies are on top of such problems and pressuring the insurance companies to pay such claims. If enough state agencies are doing their jobs, the insurance agencies will cave in. This can be solved. Ditto for medical insurance plans that companies provide. We need some Breitbart here.
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