My sister has Genworth LTC allowance and was diagnosed with cancer. She had to accept a hysterectomy and chemotherapy and was ambidextrous with all the abhorrent ancillary furnishings that comes with chemo and surgery. She is distinct and lives alone. She got abetment for a ages to advice her through the affliction of it. Aback she accustomed to alarm to alpha a claim, she would be on authority for 20-40 account at a time. Aback you are activity through chemo, that is a LOOONG wait, so abounding times she had to adhere up.
The affirmation had a 90 day delay period. So she would not get reimbursed for the month, but it could be counted for approaching needs if she filed the affirmation and it was approved. She did not apperceive to do this. She was so ailing that she gave up filing a affirmation because it was so difficult to do. Her blight is now aback and I am aggravating to book the affirmation and get it through. I begin out about accepting her antecedent ages of affliction on the books to calculation adjoin her 90 day delay aeon afterwards agreement a alarm to them. So I accustomed to book the affirmation a year later, but it was denied because the doctor did not address in her medical annal that she bare abetment at home.
Very important to know: if the doctor does not address in the medical annal that the accommodating needs abetment in the home, the affirmation best acceptable will be denied. My sister did not apperceive to let her doctor apperceive that she was distinct and could not affliction for herself afterwards anaplasty or chemo, so it was not declared in my sister's medical annal that she needs home assistance. Because it was not stated, her affirmation was denied. Best doctors are aloof autograph up the analysis and the treatment. Ensure you ask your doctor to accommodate this advice about defective home care. If you accept the brainy and concrete accommodation to apperceive to do this, you may get your affirmation approved. If not.....?
Genworth had an absolute medical specialist (nurse) appear to the abode to appraise my sisters condition. My sister was throwing up, in astringent pain, could not acknowledgment questions, had a adamantine time focusing. The assistant beatific in the report. Should be an accessible affirmation to approve. Each time I alleged Genworth, the rep would acquaint me they are cat-and-mouse on medical records. Aback I alleged the medical annal the medical annal rep said they did not accept a request.
I would alarm to chase up with Genworth and be on authority for 25 to 30 account and get a accepted chump affliction rep who did not accept admission to the annal and said that she would accept them alarm me back. They would alarm aback aback I was at assignment and could not booty their call. So I would charge to alarm them aback and it was a abandoned circle. Afterwards 2 months, they requested medical records....it is now 3 months and still cat-and-mouse on medical annal in adjustment for them to accomplish a determination. I would actively anticipate alert about accepting LTC insurance....read all the accomplished print, and I would not acclaim Genworth.
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