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I have a prospective client who is balking at LTCi because of a bad experience with her mother. The mother had an LTCi plan through Genworth (not sure how long ago she got the policy, but it was quite a while). The daughter put her in an adult family home when she eventually needed assistance, but the insurance refused to pay because it was neither assisted living nor a nursing home. From what I've read about the new policies, this shouldn't be an issue because the trigger on most of the plans are ADL based not environment based.
Her issue is she and her husband would want to go into an adult family home if they need assistance later on. Since this didn't work for her mother, she's afraid it won't work for her. Is there any policies I should be looking at in particular for her?
64/F HTN
65/M kidney and CAD. Has stents several years ago
Her issue is she and her husband would want to go into an adult family home if they need assistance later on. Since this didn't work for her mother, she's afraid it won't work for her. Is there any policies I should be looking at in particular for her?
64/F HTN
65/M kidney and CAD. Has stents several years ago