New York Life has refused to reinstate Mom's long term care benefits. The nursing home staff submitted documents which should have cleared up any confusion whether Mom needs the care. Her doctor submitted documents outlining her chronic illnesses.It doesn't matter to New York Life. They are willing to turn a 75 year old woman out on the street. She gave up her home and contents based on the policy, which promised a life time benefit.
She's happy in her little apartment, but New York Life is putting her out on the street in less than 30 days, presumably so her health fails enough for her to qualify, according to them, for the the benefit again.
Mom is incontinent, forgetful, unable to cook, clean, do laundry, take her medicine or drive. She has CHF, diabetes, high blood pressure and some dementia. But New York Life has ruled her unqualified for the benefits for which she's been paying premiums for many years, because she appeared happy and content to their appraiser.
We are starting formal appeals.
The stress is already showing on Mom.
Perhaps that's part of the insurance method. They'll stress out the weak people and hope a heart attack kills them. The insurance company will miss the premium paying capabilities of their clients, but never have to worry about paying them benefits.
I'm sure that makes sense to New York Life executives, don't you?
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